“Joshua Hall is a seasoned professional and an authentic investor focused on providing customized portfolio management services. True Vine Investments is all about having the wisdom of God to capture the investment growth that comes from Him.”
Firm:

True Vine Investments

Job Title:

Investment Advisor

Biography:

True Vine Investments is an independent Registered Investment Advisor (RIA) and the investment advisory business of Joshua S. Hall, ChFC. He is located in Williamsport, amongst the mountains of northern Pennsylvania.

Prior to starting True Vine Investments in 2010, Joshua worked for JPMorgan Asset Management for 10 years. He spent the last several years as Vice President and On-boarding Manager for the Global Liquidity business. He earned his Bachelor's of Science Degree in Finance from Susquehanna University in 1999 and his Chartered Financial Consultant (ChFC) designation in 2005.

Joshua writes The True Vine Letter, a blog focused on providing financial education and unique investing insight. He is the author of The Truth On Investing: From the Darkness of the Crowd to the Light, a book that provides a framework for people to invest the resources that God has given them—with Him—and precisely the way He has purposed.

Joshua values close relationships with his clients and understands that trustworthiness is the most important characteristic they are looking for in an investment manager. He is very happily married to his wife Michele and they have 3 children. He enjoys the outdoors and being far away from the crowd on Wall Street.

Education:

BS, Finance, Susquehanna University

Assets Under Management:

$3 million

Fee Structure:

Tiered

CRD Number:

4413021

Disclaimer:

The information provided by Joshua Hall on Investopedia is general in nature and for educational purposes only. It is not to be used or considered as an offer or a solicitation to sell or an offer or solicitation to buy or subscribe for securities, investment products or other financial instruments, nor to constitute any advice or recommendation with respect to such securities, investment products or other financial instruments. It does not have regard to the specific investment objectives, financial situation, and the particular needs of any specific person who may read it. You should independently evaluate specific investments and consult a professional before making any investment decisions.

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April 2017
    401(k), Real Estate, Retirement Savings, Taxes

All Answers
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    Investing, Stocks, Starting Out
How do we adjust the ratio of how much a higher risk investment is worth compared to a lower risk investment?
100% of people found this answer helpful

If you are saying that you have some investors wanting to take on more risk than others but they are all investing in the same company (start-up), then you would want to raise varying types of capital to compensate each type of investor accordingly. For example, the most conservative investors could provide capital through some type of preferred stock which may or not be convertible into shares of common stock. This preferred stock could pay them dividends and give them preferential treatment over any dividends to common stockholders. The preferred stock would also give them preferential treatment if the company were to go bankrupt. They would receive the payout from the liquidation of assets before common stockholders. The investors seeking more upside (with risk) could provide capital through a common stock. In general, the riskiest equity in a company is the common stock with other hybrid types of equity capital (e.g., preferred stock) being more conservative. 

Alternatively, if my first paragraph did not properly answer your question and you are simply trying to compare a riskier investment to a less risky investment, then you could do so by using a different discount rate. To do this, you estimate the future cash flows from the company for a period of time (e.g., 20 years) and then discount those future cash flows at a certain rate (e.g., 10%, 15%, or 20%) to determine the Net Present Value (NPV) of the business. The higher the perceived risk for the business, the higher the discount rate you would want to use. Thus, 2 different businesses with the same projected cash flows could have a different NPV if one that was perceived to be riskier and had a higher discount rate applied to it. I use this technique when evaluating junior mining companies. I apply a higher discount rate to companies with riskier projects or those operating in riskier jurisdictions. These calculations can be performed by the formulas available in standard spreadsheet applications.

I hope one of these paragraphs was helpful!

Joshua Hall, ChFC

3 days ago
    Financial Planning, Investing, Real Estate, Stocks
Should I buy a house or invest in the stock market?
90% of people found this answer helpful
4 days ago
    Debt, Investing, Mutual Funds, Stocks, Women & Money
Should we invest in stocks or pay off student loans with money gifted to us from our wedding?
67% of people found this answer helpful
2 weeks ago
    Banking, Investing, Senior Care
What is a good, low-risk investment option for someone in their 80s that will still allow them to access their money if needed?
50% of people found this answer helpful
March 2018
    Debt, Estate Planning, Investing
Should I pay off my mortgage loan or invest with the money I am receiving from an inheritance?
50% of people found this answer helpful
2 weeks ago