Sabela Capital Markets

Investment Management | College Planning

Investment Management | College Planning

The Right Advisor Can Make
All The Difference



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Someone Who Understands Your Needs and Helps Your Peace of Mind.

The cost of college is overwhelming, especially while trying to also save for retirement. Most of our kids will end up burdened by student loan debt. And investing can feel very confusing. Here's some good news. If you know how to shop, the college sticker price is totally irrelevant. And investing shouldn't be complicated. The truth is, it's the portfolios of low-cost index funds 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, Indiana, 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.

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


 Start With The
Right 529 Plan
529 plans are a great way to help pay for college. Like most families, maybe you haven't had the opportunity to save. And that's OK. Let's find ways to save on the cost instead.

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 very little 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. Then we maximize value for our clients by using 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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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

Are You Paying Too Much in Fees?

You may be wondering if you need to pay financial professionals more for better returns. On the contrary, the lower the fees, usually much higher are your odds of success. Cost-generating gimmicks like market-timing, stock picking, frequent trading, and other conventional strategies only guarantee that more wealth will trickle up from your account to the pockets of your broker/advisor. No one has a crystal ball. Don't pay for gimmicks and proven myths.

Let's 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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