Investment Philosophy
Since World War II, domestic economic growth has created large
pools of not only individual wealth, but also wealth for corporations
and foundations. Recently the process of investing these funds
has changed dramatically with an explosion in the number of
mutual funds, hedge funds, annuities, and other products,
thereby increasing both the number of investment options available
and the complexity inherent in the selection process.
At Investors Trust Company, we have drawn together a group
of seasoned professionals who understand the markets and
can personalize specific portfolios to structure them to
be truly tax efficient.
With the continued mergers among the largest asset managers
in the region, and their move to force even wealthy individuals
into proprietary mutual funds, we feel strongly that a tax
efficient, individualized investment strategy for most clients
is sorely lacking in our marketplace. Investors Trust Company
incorporates the best features of both closely held investment
advisors and high performing trust companies. We are committed
to clarity of focus in meeting our clients' needs and long-term
relationship continuity.
Process Strategy
We believe that the most important decision in the investment
process is that of asset allocation, as each client has
different needs and objectives. Investors Trust Company
role is to clearly identify these needs and objectives,
and once these are defined in conjunction with the client's
income needs and tolerance for investment risk, we build
portfolios using equities and fixed income instruments.
Fixed Income Investing
Our fixed income discipline also is targeted at outperforming
the appropriate index without subjecting the client to undue
risk. Given our orientation toward capital preservation
in this discipline, we structure a client's portfolio using
these guidelines:
- High credit quality with maturities generally not beyond the intermediate term.
- Our primary emphasis is to maximize income consistent with capital preservation. Adding risk through large interest
rate bets is inconsistent with our investment strategy.
We will seek to exploit occasional inefficiencies (an example
of which would be an extreme weakness in the financial sector)
when yields justify. The benchmark index for our fixed income
portfolios is the Lehman Brothers' Intermediate Government/Corporate
Index.
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