CPIC utilizes a disciplined Multiple Manager Approach to improve long-term performance and reduce risk.

The Problem:
Most traditional portfolios are composed of stocks and bonds—in essence, a single “privately managed mutual fund.”  But would you put ALL your money in one mutual fund?  Of course not!  Yet by investing in a single portfolio of stocks and bonds, this is effectively what most people have done.  Unfortunately, the manager of this stock portfolio must either limit their stock selections to their limited style or specialization (they can’t be an expert within all disciplines!), or they must try to be a generalist (and in our experience, generalist managers don’t often turn in good, consistent performance).  Either way, performance suffers, costing you thousands of dollars each year.

The Solution:
Believing that specialists can produce better performance than generalists (especially when their sector is currently in market favor), CPIC constructs each of our client portfolios as a “portfolio of specialized portfolios.”  The key to this strategy is to invest only in managers with superior performance records, and only in those market sectors that are currently outperforming.  A portfolio of actively managed no-load mutual funds allows us to accomplish both of these objectives (see Sample Account).  Mutual funds provide the flexibility to be selective about the sectors of the economy in which we invest, while at the same time getting a manager with a proven track record for each segment of the overall portfolio.  Putting multiple managers to work for you is a powerful, dynamic, and flexible strategy, one proven by our excellent track record in both bull and bear markets.  This approach is suitable for investors with a long-term time horizon, and not suitable for short-term investing.  As always, remember that past performance is no guarantee of future investment results.

Advisor Insight

“We make exclusive use of no-load mutual funds to implement the ‘Multiple-Manager Approach’ because they offer a flexible way to change the composition of a portfolio as the macroeconomic environment changes. Sectors and investment styles rotate in and out of favor over time.  The wide array of industry sectors, both domestic and international, as well as diverse selection of investment styles, helps us maintain portfolios that are in tune with the market.  The result is better risk-adjusted returns.” Diane C. Jakubowski, President

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