Our Philosophy of Investing

The philosophy of Rogue Federal Credit Union’s Investment & Insurance Services Department is to invest for the long haul. The various stock and bond markets are notorious for short term fluctuations that can see portfolio values rise and fall significantly. Since no one has been able to accurately predict the direction of the various markets with any consistency it is our belief that short term market timing is an inherently unsuccessful strategy. Although no one can guarantee that the markets will continue their long term pattern of growth over time, history has shown that not participating in the markets, particularly the stock markets is the most serious risk to long term wealth since inflation will eventually erode the value of money held in “safe” havens.

Since history has also shown that different asset classes perform differently at different times it stands to reason that to be fully protected against risk one needs to be diversified appropriately amongst various asset classes. Different factors will contribute to what constitutes appropriate diversification. For example: a person close to retirement does not confront the same set of risks that face a young person in their twenties and therefore would most likely need a different asset allocation strategy. This is where the CFS Investment Advisors at Rogue Federal Credit Union can be of the most service.

We believe that there is no "one size fits all" or "cookie cutter" approach to investing and therefore each individual investment strategy ought to be worked out in a confidential one-on-one basis. Our Investment Advisors will sit down with you for a complimentary initial consultation and go over your particular situation to ascertain how we can best help you reach your investment goals. Our affiliation with our broker/dealer, CUSO Financial Services, L.P. (CFS), provides a full universe of stocks, bonds, mutual funds, variable annuities and other investment products to help meet your financial objectives.