Investment Philosophy
Clarity, discipline, and purpose in every decision.
Our Investment Philosophy
We believe investing should be guided by a clear plan, informed by sound principles, and tailored to your goals. Our approach blends long-term strategy with disciplined decision-making, helping you grow and protect your wealth through life’s changes.
How We Build Your Customized Portfolio
Start With Income. Build From There.
We begin every portfolio by identifying your income needs over the next 12 to 18 months. From there, we allocate your investments into purpose-driven buckets that align with your cash flow goals, growth objectives, and tax efficiency.
This cash flow strategy acts like a safety net when there are market downturns, helping you stay invested and on track without interruption.
The Three-Bucket Strategy
Cash Bucket
Timeframe: 3–12 months
Purpose: Covers emergency savings and immediate cash needs.
Investments:
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Checking/savings accounts
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Certificates of Deposit (CDs)
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Treasury instruments with maturities under 1 year
Income Bucket
Purpose: The workhorse of your portfolio—producing steady income that flows into your Cash Bucket.
Investments may include:
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Structured income notes
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Individual U.S. and international bonds
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Private real estate
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Private credit
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Income-focused ETFs and mutual funds
Growth Bucket
Purpose: Designed for long-term growth and capital appreciation.
Investments may include:
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ETFs and mutual funds
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Structured growth notes
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Individual U.S. and international stocks
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Private equity, including:
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Venture capital
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Buyout funds
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Secondary funds
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Buckets & Differentiation
Who This Works For:
Our Income Bucket strategy isn’t just a concept. It’s a solution, purpose-built for people who need reliable income, smart diversification, and long-term sustainability.
Here’s how it works for the clients we serve most:
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Pilots – Add a stable diversifier that isn’t tied to your 401(k) or airline stock. This helps reduce retirement risk from market downturns.
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Widows & Widowers – Create dependable, monthly income that supports a long retirement, even with rising healthcare costs.
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Trust Beneficiaries – Generate steady yield so the trust provides income today and continues to grow for the next generation.
What Sets Us Apart
At 9M Investments, we don’t just build portfolios. We build retirement paychecks.
Our approach centers around one powerful differentiator: real, sustainable yield—income that isn’t tied to the market’s mood swings and never comes at the cost of your principal.
Here’s why it matters:
Better Timing = Better Outcomes
By producing reliable income, we avoid being forced to sell in down markets. That gives us better control over when to harvest gains, refill your income bucket, and allocate to growth. We’re never backed into a corner.
More Yield = Less Pressure = More Growth
Because your income needs are covered, we can allocate your portfolio towards beating inflation and long-term growth, which creates more wealth over time. More runway. More resilience. More peace of mind.
This one differentiator—the ability to deliver meaningful, sustainable yield—makes us unique in a crowded field of advisors. It’s the foundation of everything we do.
Annual Yield for Income Bucket – 2025
(SEC 30-Day Yield – As of August 31, 2025)
These figures represent the SEC 30-Day Yield and reflects the Income Bucket only and is updated monthly. It does not represent total portfolio performance. Investments involve risk, and past performance is not a guarantee of future results.
Designed to grow, built to endure.
A Balanced, Strategic Approach
From diversification to risk management, we focus on building portfolios that align with your needs, values, and time horizon. Whether you’re just starting out or managing significant assets, our goal is to give you confidence and clarity in every investment decision.