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  • "If past history was all

    there was to the game,

    the richest people

    would be librarians."

    ~ Warren Buffett

  • "The investor's

    chief problem -

    even his worst enemy -

    is likely to be himself."

    ~ Benjamin Graham

  • "The four most

    dangerous words in

    investing are:

    ‘this time it's different.’"

    ~ Sir John Templeton

  • "The individual investor

    should act consistently

    as an investor and

    not as a speculator."

    ~ Benjamin Graham

  • "An investment

    in knowledge pays

    the best interest."

    ~ Benjamin Franklin

Investment Philosophy

Investment Philosophy

Gemmer’s investment philosophy is built upon a rigorous, time-tested, research-driven approach that incorporates three distinct steps:


Modern Portfolio Theory. We utilize the tried and true principles of Modern Portfolio Theory (a Nobel Prize-winning concept) to ensure portfolios are well diversified across all major asset classes. To learn more about how we do this, as well as the benefits of proper diversification, click here.


Tactical Asset Class Shifts. After careful research into global longer term – three to five years – and shorter term – up to 12 months – market trends, we look to overweight certain sectors that appear undervalued or offer compelling opportunities, as well as to underweight areas of the market that appear overvalued. To learn more about how we make our Tactical Asset Class Shifts, click here.


Manager/ETF Selection. At Gemmer, we take scrupulous care when evaluating managers and/or ETFs to be included in our portfolios. That’s why we perform comprehensive quantitative and qualitative analysis on institutional money managers before we hire them. To learn more about our Manager/ETF Selection, please click here.

1655 NORTH MAIN STREET, SUITE 360 | WALNUT CREEK, CA 94596 | 925.933.3786 | WEBSITE DISCLOSURE | FORM CRS

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