One choice may be all you need in retirement
Retirement is a goal full of excitement and anticipation, and fear — the fear that our money may run out before our time does. The volatility of the financial markets over the last ten years hasn’t helped calm those fears. The HCM All Weather Retirement Program seeks consistent long term growth averaging 8% annually with a maximum drawdown of 5% or less, and to reduce the impact of market volatility on retirement accounts.
Howard Capital Management’s HCM All Weather Retirement Program is designed for retirees and near retirees who need income plus a little bit of growth, but most of all, don’t want to see their savings disappear with the next market downturn.
How does the HCM All Weather Retirement Program strive to avoid the impact of down markets? It’s simple. When the financial markets turn stormy, the HCM All Weather Retirement Program heads for safety. Sometimes that means cash or bond funds, other times it may mean a move to markets or sectors our indicators tell us are experiencing calmer weather and opportunities for growth. While there can be no assurance that the Program will succeed, the HCM All Weather Retirement Program is designed to create gains regardless of market direction through the use of use of active management with allocations to commodities as well as to traditional equities, bonds and mutual funds. The Program also offers daily liquidity.
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The All Weather Retirement Program doesn’t need to be fully invested at all times to meet our goal - consistent long-term growth averaging 8% annually with a maximum drawdown of 5% or less. Any time you can reduce losses, you increase the compounding power of your funds when markets recover. If your portfolio suffers a 25% loss, you will need to gain at least 33% to recover. Limit the loss and your account recovers faster and turns further gains into growth.
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The HCM-BuyLine® is a proprietary indicator which tells the HCM All Weather Retirement Program managers when to be in the equity markets and when not to be. 
The HCM-BuyLine® is a reactive indicator, not proactive. Signals will lag market tops and bottoms. As a result, there will be losses, but the objective of the indicator is to limit drawdowns to 5% or less when markets reverse directions.
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Continuous monitoring assures that positions are not underperforming other possible alternatives. When better profit opportunities are identified, capital is re-deployed.
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In every decision, the goal is to remove emotions from the process and execute the HCM All Weather Retirement Program methodology objectively and mechanically. We want a statistical advantage over the market.
Does the active management approach of the HCM All Weather Retirement Program make a difference? At Howard Capital Management, we believe the answer is “Absolutely!” Investing without a means of limiting risk or without continually monitoring a portfolio for better opportunities, we maintain, is a recipe for disaster. The lack of a risk management tool to tell investors when to retreat to safety is why so many retirement portfolios were decimated and have yet to recover from the bear markets of 2000-2002 and 2007-2008.
Naturally, there can be no guarantee that the HCM All Weather Retirement Program will succeed at its objectives. All investing carries the risk of loss as well as gain, but we invite you to learn more about our methodology and why the HCM All Weather Retirement Program may be the only choice you need. Please read the disclosure.