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CIO Blog

By Paul Hrabal, Chief Investment Officer of One Fund

May 25, 2009

Simple and Boring (Without The Noise)

I founded U.S. One to create a simple and effective way for people to invest their money.

As we work on our first product - the One Fund ETF - I've begun articulating our investment approach, which holds true to the time honored conservative principles of buy-and-hold, low cost index investing.

We're not introducing any fancy new investment ideas here. What we advocate has been around for several decades and is as old as a well worn shoe.

You won't find us suggesting you try to pick winning stocks or that you try to guess when the market will go up or down. The ideas are quite boring. But they consistently beat other investment approaches in after tax returns over the long run.

While the investment approach may be simple and boring, it is tough to follow. It requires a person to stay the course for a long period of time and ignore all the noise out there in the investment world. Its simplicity and effectiveness depend on it. Consider tuning out CNBC, stop trying to bet on the hot new industry or stock and stop chasing after the 5-star mutual fund that performed so well last year. That's all a distraction from a focus on the key fundamentals to investing.

I believe that the less you follow the markets and the less you pay attention to the ups or downs of your investment portfolio, the better off you will be.

Before investing you should carefully consider the Fund’s investment objectives, risks, charges and expenses. This and other information is in the prospectus. Please read the prospectus carefully before you invest.

An investment in the Fund is subject to risk, including the possible loss of principal amount invested. Other Fund risks include asset allocation risk, foreign securities and currency risk, emerging markets risk, small-cap, mid-cap and large-cap risk, trading risk, and turnover risk that can increase Fund expenses and may decrease Fund performance. The Fund is, also, subject to the risks, which can result in higher volatility, associated with the underlying ETFs that comprise this “fund of funds”. Newly organized, actively managed Funds have no trading history and there can be no assurance that active trading markets will be developed or maintained. Brokerage costs will reduce returns. When the Fund invests in Underlying ETFs, in addition to directly bearing the expenses associated with its own operations, it will bear a pro rata portion of the Underlying ETFs’ expenses (including operating costs and management fees). Consequently, an investment in the Fund entails more direct and indirect expenses than a direct investment in the Underlying ETF.

Distributed by Foreside Fund Services, LLC.