Portfolio management is the art and science of selecting and overseeing a group of investments that meet the long-term financial objectives and risk tolerance of a client, a company, or an institution.*
There are two forms of portfolio management: passive management and active management.
Passive management is where you would purchase one or more investments, such as a mutual fund or ETF with the intent of mimicking an index such as the S&P 500. This keeps fees low since there is minimal oversight and trading.
Active management uses a variety of quantitative and qualitative models and other methods to determine what investments should be purchased and sold in an effort to outperform an index like the S&P 500.
Most investors believe that they face a conundrum:
Our process for maximizing returns begins with investing at your comfort level for risk. We ensure that you have your investments set-up so that you do not have to worry about market declines in the short term. We call these different investment holdings buckets. At a minimum, this includes a cash bucket, a 2-5 year bucket, and a 5+ year bucket. These buckets can and will change over your lifetime. When you are younger, you may have a higher percentage of your investment assets in the 5+ year bucket. As your near retirement, you will most likely increase the holdings in your cash and 2-5 year bucket, and reduce the amount in your 5+ year bucket.
The cash bucket gives you the flexibility to have funds readily available if a market drop occurs, so you don't have to sell a position at a lower price and lock in a loss.
In retirement, the structure and number of buckets will also depend on the amount of guaranteed income that you have from Social Security, pensions, and annuities. If your guaranteed income addresses all of your retirement needs, you can take on more risk, if you choose to, without impacting your retirement.
Our portfolio strategies are actively managed and our results bear out our philosophy. The biggest difference with our approach is that we don't use mutual funds in our portfolios, we use individual stocks and/or ETF's depending on the strategy, and when using ETF's we use sector ETFs.
We use this approach for several reasons:
Qualified Investment Accounts:
Non Qualified Investment Accounts
7400 Baymwadows Way, Suite 300 Jacksonville, FL 32256
We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.
Investment advisory services are offered through Capital Management Services, Inc. Insurance and other financial products are offered through appropriately licensed and appointed individuals in various jurisdictions.
Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.
Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.
The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
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