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Investment Management

Our clients’ primary objective is to save as much as possible, grow it as much as they can and try to avoid having a blow-up either before or during retirement. the CBD Investment Process is designed to do just that.

We use time-tested, Nobel prize-winning strategies along with a unique “seatbelt” approach to help keep you in the clear when times get rough. It’s all part of our purpose: taking the stress out of your money.

 

Screening

 


We use quantitative criteria to narrow down the universe of investments to create a pool worthy of inclusion in our portfolios.

 

Evaluation

 


To this pool of investments, our team then applies a scoring system based on quantifiable risk and investment returns. Among the factors we consider are risk, return, cost, peer group ranking, benchmark-relative performance, upside capture, downside capture and consistency of style.


 

Analysis

 


If an investment survives our evaluation, we dive in to understand how the investment operates. A great deal of time is spent evaluating the investment process and philosophy to ensure consistency. We then rely upon our Commonwealth Research team to conduct interviews of the portfolio managers to dig deeper.

 

Portfolio Construction

 


Once an investment has passed a rigorous analysis, it is modeled within the portfolio, over a variety of time frames and economic environments, to evaluate the value added by its inclusion. Once selected, each investment plays a vital role within that portfolio to create diversification, help reduce risk of loss and provide growth opportunity. Because we understand that low-cost investments are an important consideration, you may see many low-cost ETFs and mutual funds in your portfolio.


 

Ongoing Monitoring

 


Once a portfolio is constructed, its oversight doesn’t end there. Each component of the portfolio is continually monitored to make certain it’s doing exactly what it’s supposed to do and providing value to the overall portfolio. If, at any time, an investment is not performing as expected, it will be replaced with a new one.

 

Your Portfolio’s Seat Belt

 


The Seat Belt for your portfolio is designed to help avoid major injuries in the event of a “crash.” We utilize technical analysis, like moving averages and price movement, to make defensive changes in your portfolio when risks get too high. When implemented correctly, this strategy helps avoid major investment losses. This vital step in the process is not a short-term market timing strategy, but, rather a sound, data supported, objective process that helps ensure your investment ride is as smooth as possible.


How Do We Get Paid?


Investments are subject to risk, including the loss of principal. Some investments are not suitable for all investors, and there is no guarantee that any investing goal will be met. Past performance is no guarantee of future results. Talk to your financial advisor before making any investing decisions.