Aside from spending and taxes, the two biggest drains on wealth have historically been high costs and low diversification.
Where are all the billionaires?
There were 4,000 millionaire families in 1900.
If they’d just bought and held the market - and had an average number of kids - there would be 120,000 billionaire families today.So, where are they? Watch the video
The Twin Problems
The finance industry has a tendency to overcharge for investment products, so you’d think the solution would be low-cost indexing. But despite its low fees, index investing comes with its own set of problems.
One of the primary challenges? It simply goes against human nature to sit and wait while markets veer through booms and busts.
Dynamic Index Investing®
What Makes Elm Different
Our strategies are globally diversified with a focus on equity markets as the primary source of long-term growth.
Automated for Affordability
Our trading and portfolio management technology is highly automated, which saves significant costs—a benefit that we pass on to our investors.
Experience and Guidance
We are always a phone call or email away, and we focus our research on financial decision-making and investing topics that are both interesting and relevant for our clients.