When appropriate and in order to further diversify client investments, we have the uncommon ability to utilize various investment products to address your needs. Alternative investments may seem risky, however, when properly included the overall long-term portfolio risk is typically reduced. No strategy assures success or protects against loss.
Equity Securities (Stocks)
When appropriate, individual company stocks and preferred stocks are utilized in a diversified portfolio to gain broad exposure to the US and global markets in a low-cost, tax efficient manner. Furthermore, in an effort to participate in several different asset classes, many combinations of equities may be utilized in an asset allocation in a single portfolio. Increasingly, various "bundled" or "pooled" portfolios are used to obtain global exposure to particular equity classes and industry sectors. The overall allocation to each equity class is tailored to fit each client's specific needs. Preferred stock investing involves risk including inflation and interest rate risk and loss of principal. Dividends are not guaranteed and can be eliminated. In a period of rising interest rates, the price of preferred stock will decline.
Fixed Income Securities (Bonds)
When appropriate, US government, high quality corporate, high yield corporate, foreign governments, foreign corporate and municipal bonds are used in either a laddered maturity and/or barbell strategy. The bond portion of the portfolio is purchased in order to obtain a predictable income stream and return of capital at maturity. In many cases, various types of "bundled" or "pooled" portfolios are utilized to further diversify the fixed income portion of the portfolio. Bonds are subject to mark and interest rate risk if sold prior to maturity. Bond values and yields will decline as interest rates rise and bonds are subject to availability and change in price. The market value of corporate bonds will fluctuate, and if the bond is sold prior to maturity, the intestor's yield may differ from the advertised yield. International and emerging market investing involves special risks such as currency fluctuations and political instability and may not be suitable for all investors.
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Chamberlin Asset Management
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