Sabela Capital Markets

Investment Management

Elevate Your Experience
With Investing


We Are Fiduciary, Fee-Only, and Evidence Based.
No Commissions. No Sales Agenda.
No Speculation Gimmicks.

Our Only Loyalty Is to You, Our Clients.

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Your Partner in Investing and College Planning

The cost of college can seem overwhelming while trying to also save for retirement. College is extraordinarily expensive. Most students will end up burdened by student loan debt. And investing for retirement can feel very confusing. Here's the good news. If you know how to shop, the college sticker price is totally irrelevant. And investing doesn't have to be complicated. The truth is, it's the simplest, lowest-cost portfolios that actually help improve your odds of investment success in the long term.

We are an evidence-based, fiduciary, fee-only investment advisory firm located in Munster, IN, serving clients locally and across the country. We help guide families through college planning and investment management. With us there are no commissions, no sales agendas, and no cost-generating gimmicks. Simply the way that investment advice should be...always in your best interest.

How We Help


Know Before You Go. A New Approach to College Planning.



 Start With The
Right 529 Plan
Saving over time in a 529 plan is a great way to help pay for college. Like most families, maybe you haven't had the opportunity to save. And that's OK. 529s aren't the only answer.


Minimize The Expected Family Contribution
The Expected Family Contribution (EFC) determines the student’s financial need. There are strategies to minimize the EFC and help you qualify for more need-based aid.


Optimize Student Loans
How much and what kind of loans should you take out? Some loans are much better than others. Let's help your child graduate with manageable student loan debt.




Excellent documentary from The Evidence-Based Investor. Watch more from this series in our Videos section.

Is There a Best Approach To Investing?

The evidence on how best to invest has been known for over four decades. It is described by peer-reviewed research, Nobel Prize-winning ideas, and reality-tested principles. Perhaps surprisingly to most investors, stock-picking, market-timing, and the other cost-generating conventional strategies have long been proven as myths. When speculating to try and beat the markets, it turns out that there is no difference between skill and luck.

To help improve your odds of success in the long term, the best approach to investing is with discipline using low-cost, globally diversified portfolios of index or asset class funds. Because the evidence for this approach is so overwhelming, we only construct and manage custom portfolios grounded in these key proven principles. To maximize value for our clients, we also construct portfolios with high-quality mutual funds from Dimensional Fund Advisors , a firm founded in 1981 based on the ideas from academic research (not fads).

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The Key Investment Principles



Invest Rather Than
Speculate


Let The Markets
Work For You


Practice Smart
Diversification


Focus Only On What
You Can Control


Minimize
Costs


Consider The Drivers
Of Returns

Fees and Costs Squander Returns

You may be wondering if returns correlate with the amount of fees that you pay. In other words, do you need to pay professionals more for access to better investment products? On the contrary, the lower the fees, usually higher are your odds of success. Cost-generating Wall Street gimmicks like market-timing calls, stock picking, frequent changes to your portfolio, and other conventional strategies generate high fees and frequent commissions that squander returns.

Assume that your portfolio averaged 10% annually over the last 25 years. If you payed 2% in fees and commisions each year, your financial services firm, broker, and advisor would have pocketed almost half (43%) of the total investment returns. Even though you put up 100% of the capital and take 100% of the risk, you end up with only half (57%) of the returns.
What If Your Fees are 2%?
cost of fees
See Appendix for more details

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