Oncubic is a fiduciary and is legally bound to put your interests ahead of our own.

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Oncubic has no conflicts regarding the investment products we recommend.

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Oncubic does not receive payment from commissions, spreads or any investment products we offer, only a fee based upon how much you invest.

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Oncubic's investment philosophy assumes capital markets work and is based upon numerous highly regarded studies that show that those who engage in stock picking and market timing rarely outperform the market, and actually underperform the market.

It's not the specific stocks or bonds you own, but the proper allocation of the right mix of stocks and bonds that determine your portfolio returns. In fact, studies show that proper asset allocation can account for more than 90% of portfolio performance with less than 10% attributable to the performance of the fund manager.

Oncubic's investing philosophy is based on the simple fact that returns are directly tied to risk; investors are willing to accept more risk in exchange for greater rewards. Over time, higher risk small stocks outperform lower risk big stocks and higher risk value stocks outperform lower risk growth stocks. Therefore a bias to small, value stocks will typically yield greater rewards.

Oncubic sees fixed income instruments like bonds as an important component of asset allocation, but only as a method to ease volatility. Risk averse investors should include more bonds in the asset mix while risk tolerant investors should have a smaller ratio of bonds to stocks in the mix.

Oncubic employs portfolios that maximize returns via the optimal combination of stocks to bonds at every risk level. This optimal combination of assets can be charted along a line from lower risk/lower reward to higher risk/higher reward. Portfolios that exists above this risk line present rewards which are not consistently achievable while portfolios that exist below this line generate more risk than the potential rewards. Along the line are all of the asset combinations that provide the most efficient returns starting with portfolios with a greater bond mix leading up to portfolios with a greater stock mix.

Both predictive theory and evidence indicate that both small company and value company shares provide higher returns than the stock market as a whole. Over long periods of time this class of stock typically earns 30-50% higher returns than large and growth company stocks. The superior returns of the small and value stocks can be best explained via the cost of capital: The smaller and value company stocks typically present more risk than large and growth company stocks. In order to attract capital, these small and value stocks must provide the investor with the opportunity of a greater reward. Based on predictive theory and historical evidence, those who buy shares of small and value companies expect a higher return and typically earn it.

Oncubic provides access to low cost, index based, institutional grade portfolios from Dimensional Fund Advisors ("DFA"), which are not available to the individual investor. DFA was founded by and is run by some of the brightest academic minds in the investment community, many of whom have authored some of the most significant and groundbreaking studies in the history of economics. Nobel laureates can also be counted among those who work for and advise DFA.

Take Oncubic's Risk Assessment now to find out what portfolio or group of portfolios is best suited for your risk tolerance. Begin your journey to financial independence today using scientifically proven methods of wealth creation and wealth building.