An individual investor for over 25 years and previously an accomplished electrical engineer and corporate strategy executive, I use my technical and business analytical approach to improve returns while keeping portfolio risks relatively low in any market conditions. I am not a fan of passive asset allocation as I believe a moderately active but highly systematic adaptive approach offers a better overall risk/reward profile than merely aiming to perform like the market averages. I consider all asset classes within the global financial scene and I make use of advanced signal processing methods to generate better than average returns with less risk. I approach my selection of investment vehicles from both a quantitative and fundamental point of view. Although I use some technical analysis from time to time, my technical approach tends to rely more on statistical and trend modeling. From a fundamental perspective, I prefer to look for secular trends that provide a tailwind to certain asset classes or sub-categories. I often use mathematical models to time my buys and sells and I combine both my quant and fundamental approaches to identify and capitalize on trends. Asset classes I invest into include equities, fixed income, precious metals / gold, commodities, real assets (including real estate) and hedge funds / private equity, as the market conditions warrant them.