Equity Mates Investing Podcast Ask An Adviser: Building 3 portfolios from scratch - Matt Ingram
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Oct 27, 2025 Matt Ingram, a financial adviser and partner at Northhaven Financial Management, shares insights on building tailored portfolios for different life stages. He emphasizes the importance of simplicity in investment strategies and how combining passive ETFs with active managers can optimize performance. Matt discusses age-specific asset allocations, such as shifting towards defensive assets for pre-retirees and the necessity of holding cash in every portfolio. He also explores strategies for managing lump sum inheritances and the overall role of an adviser versus fund managers.
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Five-Part Investment Philosophy
- Matt breaks his investment philosophy into five parts: keep it simple, use passive ETFs, hold conviction stocks, follow long-term themes, and be humble about capabilities.
- He complements passive core holdings with active managers where specialist skill or access adds value.
1997 Internet Skeptic Story
- Matt recalls a 1997 news segment dismissing online shopping, showing how big trends can be underestimated.
- He uses that to argue AI, cybersecurity, and healthcare are long-term themes worth investing in now.
Hold Cash And Use DCA
- Keep some cash in portfolios to avoid forced selling and to deploy into opportunities during pullbacks.
- Use dollar-cost averaging when markets feel hot and let regular contributions smooth timing risk.