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There are essentially two core investments instruments. The first is stocks or equities that make investors shareholders or owners of companies, and the second is bonds or fixed income that make investors lenders to companies. Stockholders enable investors to share in the profits of the company whereas bondholders are entitled to a periodic interest payment from the company. Investors, either as stockholders or bondholders, can manage their risk by the number of securities they own and the credit quality of these companies. Individual investments or sector specific investments have more risk whereas widely diversified investment vehicles such as mutual funds have less risk. At the end-of-the day, we believe investors either want to be stockholders or bondholders in what we believe are great companies. Somewhere along the way investing got really complicated for the majority of investors. We try and help investors get exposure to great companies in a sensible and transparent way while minimizing fees and other layers between the investor and their investments. We call it getting back-to-basics.