Proven Strategies
We focus on the following proven investment strategies:
Effective Diversification. While many managers invest primarily in large US stocks, we typically diversify investment portfolios over 7 to 10 different asset classes. Finding opportunities in a broader array of investments typically lowers the risk (volatility) of a portfolio, while maintaining or even potentially increasing the expected return.
Investment Research. We carefully study the outlook for the economy and translate this into specific investment advice for our clients. Economic conditions are constantly changing. Investments that do well at one time will do poorly during another. Separating emerging trends from economic blips requires independent thinking and a seasoned perspective. We work to keep our clients ahead of the curve by repositioning portfolios to take advantage of changing economic conditions.
Disciplined Rebalancing. Through the rebalancing of client portfolios back to target levels, we impose the discipline of selling a portion of those asset classes that have appreciated the most, and buying more of those that appreciated the least. Various studies have demonstrated that this patient and disciplined form of investing materially improve portfolio results.
Tax Management. It is not just what you make on your investments, but what you keep that is important. CCM strives to minimize the tax consequences of trading activity and to maximize the benefits of tax sheltered accounts.
Cost Management. We vigorously pursue opportunities to save you money. This includes minimizing expenses from taxes, trading costs, and fees. For these reasons, we are strong advocates of index and exchange traded funds. These funds typically combine rock-bottom expenses with high tax efficiency, and as a result, generate superior long-term performance.
