Minimizing investment expenses is an essential part of a successful, disciplined , long-term investment strategy.

At 3 factor, we work with the highest-quality, lowest-cost index fund families- DFA and Vanguard.  For major asset classes- such as large cap US equities and small cap US equities, DFA and Vanguard index funds have expense ratios which are typically 0.40% to 1.1% p.a. lower than actively managed, no-load mutual funds.  The cost savings is much greater for mutual funds with loads.

In addition, 3 factor charges one of the lowest investment management fees in the Advisory industry.  Thanks to our soft­ware and our stream­lined invest­ment oper­a­tions, we are able to offer the high­est qual­ity investment advisory ser­vices at a low advisory fee.

By com­bin­ing our low fees with Advanced Tax Engi­neer­ing and Sys­tem­atic Re-Bal­anc­ing , we believe that we are able to pro­vide our clients with the best, real­is­tic after tax returns*.

Please click here to read a more detailed expla­na­tion of these tech­niques.

Better Returns Through Research

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Past per­for­mance is not a pre­dic­tor of future performance.

3 factor has con­ducted exten­sive analy­sis con­cern­ing port­fo­lio per­for­mance. See “impor­tant dis­clo­sure” for details and dis­claimers regard­ing our state­ments con­cern­ing per­for­mance, and the var­i­ous assump­tions we have made in our analy­sis.