Long range perspective and an emphasis on value are the basis of Ryder, Stilwell's investment philosophy.

While we structure investment portfolios to increase our Clients' wealth, we believe that the risk of loss of principal is too great a price to pay for a short term increase in return. Therefore, we concentrate on long term, high quality investments for the purpose of protecting our Clients' assets, producing cash on a current basis and providing after-tax performance and value.

We also believe a diversified portfolio that balances a number of attractive assets and holdings is critical to the safety of our Clients' investments. As a result, we seek a successful balance of investment grade securities, high income bonds, money market instruments and institutional quality real estate.