INVESTING

HCM-Buyline®

Help Protect Your Assets with the HCM-BuyLine®

It is painful to watch the value of your portfolio drop, which is why we've spent years developing our proprietary HCM-Buyline® to help protect your assets. This indicator is designed to preserve capital in market downturns while seeking to outperform the major indices during market upswings. Our objective indicator is technical, working to direct us through bull and bear market trends.

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The HCM-BuyLine® in a Bull Market

Our strategy is to invest capital in equities in order to take advantage of the gains a bull market can possibly bring.

The HCM-BuyLine® in a Bear Market.

Our strategy is to move clients capital to the safety of money markets and/or short term bonds.

The History

Vance Howard, Founder and CEO of Howard Capital Management, developed the HCM-BuyLine® following the 1987 stock market crash. After experiencing first-hand the pitfalls of a bear market, he developed the algorithm to calculate market trends by measuring new highs to new lows on the New York, NASDAQ and American stock exchanges. The ratios run on a 365-day basis.

Watch our Video on the HCM-Buyline®

Learn how our proprietary indicator can help you side step bear markets and maintain capital.

  • Non Emotional
  • Mechanical
  • Repeatable

Disclosures

The depicted strategy (“the Strategy”) is a hypothetical strategy which was created by applying the actual moves dictated by the HCM-BuyLine® (“BuyLine”) to the mutual fund or stock noted above (“Fund”). Specifically, the strategy assumes that the Howard Capital Management, Inc. (HCM) offers its investment methodology through multiple programs that may invest in mutual funds. There is no certainty that any investment or strategy (including the investments and/or investment strategies recommended by the advisor), will be profitable or successful in achieving investment objectives. The Strategy is an actively managed program and as such has an above-average turnover rate, which could have a negative impact upon the net after-tax gain experienced by an individual client in a taxable account. Please work with your financial advisor to determine which investment program is consistent with your financial objectives and risk tolerance. This service is available for a cost in addition to those associated with the underlying securities.

Backtesting Backtesting involves a hypothetical reconstruction, based on past market data, of what the performance of a particular account would have been had the adviser been managing the account using a particular investment strategy. Performance results presented do not represent actual trading using client assets but were achieved through retroactive application of a strategy which was designed with the benefit of hindsight. Backtested performance results have inherent limitations, particularly the fact that these results do not represent actual trading and may not reflect the impact that material economic and market factors might have placed on the adviser’s decision-making if the adviser were actually managing the client’s money. These results should not be viewed as indicative of the adviser’s skill and do not reflect the performance results that were achieved by any particular client.

Performance Results Returns are hypothetical and not based on actual implementation of the strategy. HCM's performance results: 1) are presented net of annual advisory fees of 2.2%, deducted quarterly, 2) are not net of custodial fees, and 3) reflect the reinvestment of dividends and capital gains. All performance results are unaudited and have not been independently verified.
The returns of the strategy in certain years were higher than the returns of its comparative benchmark index as a result of certain market factors and events that may not be replicated in the future. In addition, the strategy's holdings may differ significantly from the securities that comprise the benchmark. No current or prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended by the advisor), will be profitable or equal to past performance levels. The actual performance of an individual client’s portfolio may be lower or higher than the performance of the HCM portfolio strategy due to differences in timing of contributions and withdrawals, account start date and actual fees paid. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark for measuring the performance of a portfolio. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical performance results.
The ability of the program to position assets in cash and/or bond funds results in its returns exhibiting a considerable variation from, and lower volatility than, its benchmark returns during periods when the HCM-BuyLine® indicates higher risk for equities. During other periods, the program’s returns will generally exhibit higher volatility than those of the benchmark. S&P 500 Reinvested is a capitalization-weighted index of 500 stocks with dividends reinvested. The index is designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries. The index is an unmanaged investment measure and is not available for investment purposes.

Investment Risks Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client’s investment portfolio. There are unique potential risks associated with the specific asset classes that a mutual fund represents. Investments in smaller companies typically exhibit higher volatility. In addition to the normal risks associated with investing, narrowly focused investments typically exhibit higher volatility. Bonds and bond funds will decrease in value as interest rates rise. High-yield bonds may be issued by companies which are highly leveraged, less creditworthy or financially distressed. Although these investments generally provide a higher yield than higher-rated debt securities, the high degree of risk involved in these investments can result in substantial or total losses. These securities are subject to greater risk of loss, greater sensitivity to interest rate and economic changes, valuation difficulties, and a potential lack of a secondary or public market for securities. The market price of these securities can change suddenly and unexpectedly. Commodities markets have historically been extremely volatile. Inverse funds should lose money when their benchmark indexes rise—a result that is opposite from traditional mutual funds. Inverse funds also entail certain risks, including inverse correlation, leverage, market price variance and short sale risks. Foreign investments generally incur greater risks than domestic investments and may involve risk of capital loss from unfavorable fluctuation in currency values, from differences in generally accepted accounting principles or from economic or political instability in other nations. Emerging markets involve heightened risks related to the same factors as well as increased volatility and lower trading volume.
This material has been distributed for informational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy or investment product. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission of Howard Capital Management, Inc. Advisory services offered through Howard Capital Management, Inc.

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