In today’s financial environment, it is easy to feel overwhelmed with the ever-expanding universe of investment choices. For this reason, we rely upon a philosophy that focuses on investor’s objectives. This philosophy is based on five principles: Asset allocation, portfolio structure, tax management, multiple specialist mangers, and continuous portfolio management. These principles all work together to deliver a program that provides you with diversification, coordination, management and personal attention.
Market timing and stock selection are not the keys to reaching investment goals, asset allocation is. Deciding how to allocate your money among broad asset classes - stocks, bonds and cash - is the process known as asset allocation
. This most important step requires defining objectives and then building the appropriate strategies to support them. The key to asset allocation is diversification among the various asset classes in accordance with the objectives you have established.
Portfolio Structure: An Integral Part of the Investment Process
There are a number of investment choices, including U.S. and foreign fixed income, emerging markets, and alternative investments to name a few. Your portfolio should be diversified across asset classes. Hinton McCurry will make sure your portfolio is diversified across these asset classes as well as within them.
Tax-Management: Do Not Ignore Tax Implications of Investing
Taxes play a crucial role in the investment process. It is important to employ special focus on tax-management to control tax implications within your portfolio and to help enhance after-tax returns. It’s not the money you earn – it’s what you keep. Tax sensitivity is an ongoing requirement; from portfolio structure, to daily monitoring, to manager selection for our clients.