A Superior Approach to Investment Management.

Embrace Market Pricing

Financial science has taught us that the market is an effective information-processing machine. Each day, the world equity markets process billions of dollars in trades between buyers and sellers—and the real-time information they bring helps set prices.

In USD. Source: Dimensional, using data from Bloomberg LP. Includes primary and secondary exchange trading volume globally for equities. Funds are excluded. Daily averages were computed by calculating the trading volume of each stock daily as the closing price multiplied by shares traded that day. All such trading volume is summed up and divided by 252 as an approximate number of annual trading days.

Don’t Try to Outguess the Market

The market's pricing power works against fund managers who try to outperform through stock picking or market timing. As evidence, only 12% of US-domiciled stock funds and 17% of bond funds have survived and outperformed their benchmarks over the past 20 years.

Past performance is no guarantee of future results. US-domiciled mutual funds and US-domiciled ETFs are not generally available for distribution outside the US.The sample includes funds at the beginning of the 20-year period ending 31 December 2025.

Resist Chasing Past Performance

Some investors select funds based on their past returns. Yet, past performance offers little insight into a fund's future returns. For example, most funds in the top 25% of previous five-year returns did not maintain a top-25% ranking in the following five years.

Percentage of top-ranked funds that stayed on top, 2006–2025. Funds remaining in top quartile of returns in the following five-year period.

Let Markets Work for You

The financial markets have rewarded long-term investors. People expect a positive return on the capital they supply, and the stock and bond markets have provided growth of wealth that has more than offset inflation, as this chart of the past 50 years shows.

Target Higher Returns

Academic research into decades of stock and bond returns has identified long-term drivers of outperformance. By investing systematically in the areas with higher expected returns, you can aim to beat the market.

Diversify Internationally

Holding a globally diversified portfolio can broaden your opportunities beyond your home market—putting you in a better position to capture higher returns wherever they appear.

Avoid Market Timing

Research has shown there's no reliable way to time the market—targeting the best days to be invested or moving to the sidelines to avoid the worst days. It has also shown the impact of being out of the market even for a short time. Staying invested helps ensure you're in position to capture long-term gains.

Manage Your Emotions

When markets go up and down, many people struggle to separate their emotions from investing. Reacting to current market conditions may lead to making poor investment decisions.

Look Beyond the Headlines

Daily market news and commentary can challenge your investment discipline. Some messages stir anxiety about the future, while others tempt you to chase the latest investment fad. When headlines unsettle you, consider the source—is it news or entertainment? Do yourself a favor and tune out the noise.

Control What You Can Control

Work with your financial advisor to stay focused on actions that add value. While you can't control which way the market will turn, following time-tested principles can lead to a better investment experience.