Developing a Plan | Wilmington Trust

Investment Management

Developing a Plan

Building a close connection with your Wilmington Trust Investment Advisor is a critical first step in developing your long-term investment strategy, as part of a broader wealth management plan. To help establish a trust-based relationship, schedule time to sit down with your advisor (and perhaps your spouse or partner) to begin what will likely be the first of many conversations that reveal where you are now and where you want to go.

Your needs, wants, and wishes

Get to know your Investment Advisor as he or she gets to know you. Ongoing conversations will bring to light various aspects of your singularly complex financial world, including...
  • Your specific circumstances: What sets you apart

    • Source of wealth
    • Sources of income
    • Family situation
    • Tax considerations
  • Your risk profile: What keeps you up at night

    • Market declines
    • Falling short of goals or time horizon
    • Illiquidity concerns
    • Wealth transfer
  • Your investment goals: Wealth management objectives

    • Income needs
    • Preservation
    • Growth
    • Flexibility
    • Liquidity
    • Philanthropic mission
  • Your past experiences: What brings you here

    • Multiple financial institutions
    • Tax-deferred accounts
    • Low-basis holdings
    • Active vs. passive management

Long-term market forecasts

To predict where we think capital markets are headed, the degree of emphasis our experienced investment team places on economic factors cannot be overstated.
  • Economic forces inform market predictions

    • More flexible, forward-looking process accommodates our economic outlook and reflects current and future economic and market realities
    • Look past traditional asset class breakdowns to diversify by the economic drivers of returns
    • Understand the relationship between economic factors and financial market behavior
    • Factor in key economic inputs like gross domestic product, credit spreads, yield curve slope
In fact, domestic and international economic factors were primary in the formation of our 2016 forecasts, as laid out in Wheat from the chaff: obstacles and opportunities, where we made our 10-year forecast that will be revisited every few years.
  • 2016 Capital Markets Forecasts

    • U.S. economy stable but slowing growth leading to a shallow recession in the next few years
    • Low-return environment to persist, boosting importance of interest and dividend income vs. capital appreciation
    • Emerging, or developing, nations to provide outsized returns down the road, as "old" economies shift to "new" economies

Strategic asset allocation

We rely on our capital markets forecasts and projected returns to determine how we think assets should be weighted, or allocated, in portfolios. Our resulting strategic asset allocation strategies reflect opportunities and produce benchmarks consistent with long-term views that:
  • Include basic asset classes (equities, fixed income, and cash) and sub-asset classes (U.S. large-cap equities, municipal bonds, and high-yield bonds)
  • Range in predetermined risk categories, from aggressive through conservative
  • Feature tax-advantaged or taxable models
  • Offer nontraditional investments (such as hedge funds and, for qualified investors, private equity)

Learn how your complex financial situation and our investment intelligence come together to guide your long-term portfolio strategy.

Meet Our Investment Team
Related Insights
Our annual Capital Markets Forecast
Capital Perspectives
Chief Investment Officer Tony Roth shares our insights on markets and economies
The importance of a well-diversified portfolio
Why diversification still has so much value
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