Goals-Based Investing or Goal-Driven Investing (sometimes abbreviated GBI) is the use of financial markets to fund goals within a specified period of time. Traditional portfolio construction balances expected portfolio variance with return and uses a risk aversion metric to select the optimal mix of investments. By contrast, GBI optimizes an investment mix to minimize the probability of failing to achieve a minimum wealth level within a set period of time.
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| - L'investissement basé sur les objectifs (Goal Based Investing ou GBI en anglais) est une méthode d'investissement où la performance est évaluée vis-à-vis d'objectifs personnels de l'investisseur, et pas seulement vis-à-vis d'un tenant compte de l'aversion au risque de l'investisseur, comme proposé par les méthodes d'investissements conventionnelles. (fr)
- Goals-Based Investing or Goal-Driven Investing (sometimes abbreviated GBI) is the use of financial markets to fund goals within a specified period of time. Traditional portfolio construction balances expected portfolio variance with return and uses a risk aversion metric to select the optimal mix of investments. By contrast, GBI optimizes an investment mix to minimize the probability of failing to achieve a minimum wealth level within a set period of time. (en)
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| - Goals-Based Investing or Goal-Driven Investing (sometimes abbreviated GBI) is the use of financial markets to fund goals within a specified period of time. Traditional portfolio construction balances expected portfolio variance with return and uses a risk aversion metric to select the optimal mix of investments. By contrast, GBI optimizes an investment mix to minimize the probability of failing to achieve a minimum wealth level within a set period of time. Goals-based investors have numerous goals (known as the "goals-space") and capital is allocated across these goals as well as to investments within them. Following Maslow's hierarchy of needs, more important goals (e.g. survival needs: food, shelter, medical care) receive priority over less important goals (e.g. aspirational goals such as buying a vacation home or yacht). Once capital is divvied among an investor's goals, the portfolios are optimized to deliver the highest probability of achieving each specified goal. It is a similar approach to asset-liability management for insurance companies and the liability-driven investment strategy for pension funds, but GBI further integrates financial planning with investment management which insures that household goals are funded in an efficient manner. In goals-based investing, assets are the full set of resources the investor has available (including financial assets, real estate, employment income, social security, etc.) while liabilities are the financial liabilities (such as loans, mortgages, etc) in addition to the capitalized value of the household's financial goals and aspirations. GBI takes into account the progress against goals which are categorized as either essential needs, lifestyle wants or legacy aspirations depending on level of importance to an individual or family. It also helps to prevent rash investment decisions by providing a clear process for identifying goals and choosing investment strategies for those goals. These goals may include ability to put children in a good school, retiring early, and be able to afford a quality life after retirement. (en)
- L'investissement basé sur les objectifs (Goal Based Investing ou GBI en anglais) est une méthode d'investissement où la performance est évaluée vis-à-vis d'objectifs personnels de l'investisseur, et pas seulement vis-à-vis d'un tenant compte de l'aversion au risque de l'investisseur, comme proposé par les méthodes d'investissements conventionnelles. (fr)
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