investment philosophy
Robert believes in certain key principals:

1. Asset Allocation is typically the major driver of returns and risk
   
   
2. Timing the market often leads to buying high and selling low
   
   
3. Bonds of distressed issuers can offer value otherwise tread carefully as, unlike in the case of equity, management may be incentivized to reduce bond values
   
   
4. Structured products are best avoided due to typical illiquidity, complexity, leverage, and embedded fees
   
   
5. Value investing Benjamin Graham / Warren Buffett style offers a great chance for outperformance for the patient investor
   
   
6. David Swensen of the Yale Endowment and John Bogle of the Vanguard Group have blazed a trail that is worth considering regardless of one's level of wealth.