INVESTMENT PHILOSOPHY - FORWARD LOOKING INVESTMENT PROCESS ASSET CLASS RISK FACTORS | REDEFINING RISK | PROBABLE MAGNITUDE OF FUTURE LOSS | RISK FACTOR BASED APPROACH | FORWARD LOOKING INVESTMENT PROCESS Partnervest’s Chief Investment Officer and his team of highly skilled professionals couple a unique approach to risk with strong competence in Top Down and Bottom Up Macroeconomic research to formulate highly effective investment models.