We maximize by construction your chances of success by combining precise and expert value-driven analysis with systematic portfolio construction, a quantum leap from the industry’s practice of cookie-cutter, one-size-fits-all models, blind preset 60/40 allocation.

R4A’s advantage rests on two foundational pillars. First, we begin the construction of every investment solution by defining your precise investment objective—whether that’s stable income, capital preservation, targeted growth, or trading — and then we design a strategy that maps directly to that goal. That one-to-one alignment, by construction, meaningfully elevates the likelihood of reaching your desired goal and successful outcome. This is a far cry from the industry practice to build portfolios based on risk buckets erroneously proxied by (past) volatility and applying one-size-fits-all predetermined arbitrary pseudo-optimization (the 60/40 bit) across a handful of major benchmarks.

Second, we sidestep the inherent biases, pitfalls, and costs of discretionary forecasts – an expensive exercise of overconfidence – by mining expected returns straight from market prices. In today’s world, where every piece of relevant information circulates globally in real time at zero cost and in the palm of one’s hand, prices instantly reflect that data—precisely the hallmark and definition of an efficient market. The proof, not surprisingly, 98% of active managers have been unable to outperform the market; they’re competing against the collective wisdom embedded in those prices … right 98% of the time!

To exploit and capture this market efficiency, we built the Lumen Global Value Compass, a proprietary algorithm that reverse engineers each asset’s implied expected return. Unlike other approaches, our proprietary Compass has three unique and crucial attributes for successful asset allocation. It delivers a single metric that is truly unbiased (no subjective calls), forward-looking (driven solely by today’s prices) and universal (apples-to-apples across stocks, bonds, commodities, factors, themes, ETFs and more).

Armed with those return estimates, our proprietary optimizer is capable of sculpting highly diversified, goal-aligned portfolios that not only practice the most effective risk management methodology, but at the same time exploit opportunities at the most granular level across the majority of the global capital markets—without ever having to forecast thousands of individual returns, an impossible and dangerous exercise. The outcome is a suite of solutions that are custom-built for your objectives, thus materially increasing the probability of successful investment outcome, and deliver superior performance. All in real-time and at digital speed within a user-friendly environment.