When conditions deteriorate, and advisors get nervous, they tend to paint risk with an overly broad brush. A binary "risk on" or "risk off" mentality ignores the multitude of factors that influence the performance of every investment. A homebuilder, for instance, might be more sensitive to rising mortgage rates, while a spike in crude could hurt airline profits. Split Creek Capital goes beyond high level asset-class allocations, and evaluates the security level risk / reward potential from many factors including (but not limited to): inflation, interest rates, gas & commodity prices, unemployment, currency moves, consumer confidence, semiconductor prices, tanker rates, and more.