Markets don’t move because of what’s already known—they move when something unexpected happens. This unknown news is what causes prices to fluctuate, often without warning. 

Earlier this year, President Trump imposed tariffs without warning. The market reacted right away. Just weeks later, he removed them—another surprise. Interest rates also rose faster than expected. And in a development few predicted, international stocks began outperforming U.S. stocks by a wide margin. Most investors didn’t see that coming, either.

These events all have one thing in common: they were surprises. They weren’t priced in ahead of time because it wasn’t possible. That’s how markets behave—prices respond to new information, and the most powerful information is the kind nobody sees coming.

We don’t try to predict these moments. Instead, we build portfolios designed to expect them.

Our investment approach is grounded in Nobel Prize-winning research by economists such as Eugene Fama, Harry Markowitz, and Robert Shiller, among others.

One of the most critical lessons from this research is that markets are in a constant state of equilibrium. Prices reflect the best available information at any given moment, as millions of people worldwide buy and sell based on the information they have access to. The only thing that moves prices is something new and unknown.

Trying to stay ahead of surprises isn’t investing—it’s speculating. And while speculation can sometimes feel exciting, it often leads to short-term decisions that work against long-term success, especially during times of uncertainty.

Instead, we:

• Diversify globally, so one surprise doesn’t decide your outcome
• Tilt toward sources of higher long-term return, like small-cap and value stocks
• Keep costs low and avoid emotional, reactive decisions
• Stay invested through calm markets and chaotic ones

Our approach is the difference between reacting and truly investing. Our approach is to withstand volatility, not dodge it, and to help your wealth grow through whatever news comes next.

We don’t rely on one model or theory. We blend insights from multiple Nobel laureates to create portfolios that are smart, durable, and built for real life.

Because unknown news will always move markets, your portfolio should be built for it.

Disclosure Statements 

The commentary on this website reflects the personal opinions, viewpoints, and analyses of the VIA IV Investments, LLC employees providing such comments, and should not be regarded as a description of advisory services provided by VIA IV Investments, LLC or performance returns of any VIA IV Investments, LLC Investments client. This should not be construed as an offer, solicitation, recommendation, or endorsement of any particular security, product, or service. There is no guarantee investment strategies will be successful. Investing involves risks, including possible loss of principal. Performance may contain both live and back-tested data. Data, if provided, is for illustrative purposes only. It does not represent the actual performance of any client portfolio or account and should not be interpreted as an indication of such performance. VIA IV Portfolios are recommended based on time horizon and risk tolerance.  For more information about Index Fund Advisor, Inc. please review our brochure. The views reflected in the commentary are subject to change at any time without notice. Nothing on this website constitutes investment advice, performance data, or any recommendation that any particular security, portfolio of securities, transactions, or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. VIA IV Investments, LLC manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.

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Jeff Holland | VIAIV