Investment Club Interview

Investment Club Interview

I received a call from Ryan Ruppert last week of the Angry Tiger Investment Club. 

​Ryan had read some of my articles and was interested in interviewing me for his subscriber base.  I was delighted to assist but must admit that with a name like Angry Tiger, I was not so sure he had my best interests at heart.

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Ryan explained to me that Angry Tiger was a club he created a couple of years ago to help investors like himself try and filter through all of the financial information available.  

Ryan stated he chose the Angry to emote his frustration with the media, Wall Street, and all of the con-men who were harming individual investors like himself with biased, unhelpful and sometimes harmful advice.

Tiger came from his admiration of Julian Robertson - a pioneer in the early days of Hedge Funds (Tiger Funds).  

My practice is largely based on the former and as to the latter: my father went to school with Julian at Episcopal High School in Alexandria, Virginia.  I too hold Julian out to be an inspiring figure in the history and evolution of investment strategy.

Ryan wanted me to speak to financial planning and how it relates to the investment management process.  He feels it is an often neglected but important complement to a successful long-term strategy.  

I had a nice conversation with Ryan and have the impression that he has a true interest in seeing his subscribers receive balanced and impartial advice.

To learn more about Angry Tiger see www.angrytiger.com

Interview Topics:

- Setting up a plan: When a client enters your office, how do you create a financial plan for them?

- Outlining goals: When we talk about goals, often times we generalize by saying ‘I want to retire at 55’. How do you drill down to realistic and quantifiable goals for your clients?

- Risk Tolerance: Can you explain your comfort zone index? Why is it crucial for clients to understand their number? How do you adjust asset allocation to fit someone’s comfort zone index?

- Life Events: how do you help your clients react to life events – such as lost income or emergency expenses? How can people prepare themselves for financial emergencies?

- How much do you need: What portion of your client’s incomes do you recommend they save for retirement? How much money should people have saved when they retire for every $1000/month in income that they require (assuming a 30 year retirement)?

- Sample Allocation: What type of asset allocation do you typically recommend for a sample client? (age 45, moderate risk) How would this change if they were younger/older?

- Investing while retired: How do you help clients who have already retired and who need to grow their savings? What strategies would you implement for them?

- Evidence: What academic evidence supports your portfolio allocations?

​- Passive vs. Active: why do active investors underperform?

- Effort vs Reward: I see a lot of people who want to beat the market, but not put in the hours. Who is best served with a passive strategy and who might benefit from taking a more active approach?

- Advice: as an individual with substantial market experience, what advice would you give to the average investor?

​See below to listen to our interview.

Angry Tiger is not ​endorsed by or affiliated with Sherrill Wealth Management or LPL Financial.

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