Take back your life
At Howard Capital Management, we believe HCM Active Lifestyle Portfolios (ALPs) offer a better approach to investing, an approach that seeks to diversify your portfolio to provide opportunities for profit across market cycles yet control losses in down markets. HCM’s emphasis on limiting losses is, we believe, essential to improved performance and the real key to a portfolio that lets you enjoy life.
HCM Active Lifestyle Portfolios blend two investment focuses — HCM ALP-PSR (Proactive Sector Rotation), an active equity investment strategy and HCM ALP-Tactical Bond, an active bond-based investment strategy. By combining different allocations of these two programs, we are able to offer a range of strategies from aggressive to conservative to fit the investor’s risk tolerance.
HCM ALP-PSR is an aggressive investment approach that seeks long-term capital appreciation. HCM portfolio managers strive to participate in domestic markets and sectors by trading mutual funds using our proprietary HCM-BuyLine® and Proactive Sector Rotation (PSR) methodologies. Our goal is to outpace the S&P 500 Total Return index over the long run by participating in rising markets and protecting assets during adverse market conditions. It is possible under certain market conditions that this program will be fully invested in cash and/or short-term bonds or bond funds to protect capital. The managers may also use inverse funds to seek profit potential and/or as a hedge. This program is also available in an ETF version — the HCM ALP-ETF Plus.
HCM ALP-Tactical Bond is a conservative investment ap¬proach that trades bond mutual funds, designed for con-servative investors seeking stability. It is 100% invested at all times, rotating among short-, medium- and long-term bonds, high-yield bonds, corporate bonds, treasuries, and occasionally international bonds, based on perceived op-portunities for better returns indicated by our Proactive Sector Rotation methodology. Our goal is to outpace the Barclays Capital U.S. Aggregate Bond Index.
If you are like most investors, you are neither as aggressive as the HCM ALP-PSR program nor as conservative as the HCM ALP-Tactical Bond Program. Which is why HCM blends these programs to offer Growth, Balanced and Conservative portfolios shown below. To maintain target allocation values, these programs are periodically rebalanced.
Naturally, there can be no guarantee that the ALP programs will achieve their investment objectives and every invest¬ment has the potential for loss as well as gain. But the HCM-BuyLine® and Proactive Sector Rotation methodology, which guide investment decisions in the portfolios, have an eight-year history of implementation, combined with exten¬sive backtesting to provide us with an objective, mechanical methodology that avoids emotional decision making, letting the market determine buy and sell decisions. Read the disclosure.