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With Active Investing and Risk Management Strategies, Harloff Capital Management serves high net worth individuals and institutions.
AAII presentations
"Active Investing Wealth Management for High Net Worth Individuals", based on Dr. Harloff's new book.
May 28, 2008 in
Louisville, KY
and January 13, 2009 in Maryland Heights, MO
Overview of our Money Management Service <click here>
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FREE Trading Results
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Our latest "Stock Market View" contains: |
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HCM's Money Management Programs
Retirement and Job Change Educational Power Point Presentation
...Lets look here at 8 issues that concern investors:
- When changing jobs or retiring you can rollover your money to an actively-managed IRA. For an educational presentation, click here.
- You will probably live longer than your parents and you need higher returns.
- You fear outliving your money, and you need higher returns.
- Bear market losses occur frequently to reduce your return and increase your risk. Professional active money management can help you.
- You may sleep better at night, knowing a professional is watching your account(s) and making adjustments.
- The buy-and-hold non strategy with a fixed asset allocation may lower returns and increase risk.
- Re-balancing 1 to 4 times per year, with industry standard 3 to 20 year statistics, is actually a buy-and-hold non strategy.
- The buy-and-hold non strategy with bond positions may lower your returns.
The buy-and-hold non strategy is for those who don't manage... their wealth. You are actively involved in raising your kids, obtaining your education, and in managing your business. What areas of your life do you not manage? Some advisors tell you to take a passive approach to investing and buy-and-hold? Why would you?
In contrast to buy-and-hope non strategy, we believe that investments should be actively managed just like all other area of your life. We manage client accounts and make changes when the markets change.
Investment risks are real: Consider the loss of:
- -37.2% from 1973-1974 in the S&P500 index*
- -41.7% in 20 year government bond total return minus coupon interest (Ibbotson) from 1977-1981*
* (based on a hypothetical one-bond portfolio with an average maturity of 20 years from Michael Muyot, 4/21/2005, Oppenheimer presentation, "Fee Based 1" )
Gains are illusive for some investors.
- From 1-1984 to 12-2000 the S&500 gained 1,300. %+
- while the average self-managed investor gained only 141.%+
+ (Delbar Financial Services, S&P500 dividends always reinvested, can't directly buy index, no expenses. Dividends not always reinvested for self managed portfolios. * From Michael Muyot, 4/21/2005, Oppenheimer presentation, "Fee Based 1" )
HCM has invested significant time and resources to develop new risk-management strategies to help you. HCM's approach is to actively-manage investment portfolios. It takes effort, skill, time, and can be rewarding.
HCM's Money Management Programs:
- HCM actively manages client portfolios in privately managed accounts. Click here to learn more about HCM's money management programs.
- HCM actively manages client portfolios in both wrap accounts and variable annuity life insurance contracts as a third party investment advisor (TPIA) through broker-dealers and other registered investment advisors. The client fees are the same as direct HCM client fees. If you are a financial professional click here to learn more of HCM's TPIA programs.
- HCM's money management services are available inside retirement plans including 401(k) plans. Click here to view our retirement section. For retirement plan accounts, your financial advisor will help you complete our HCM time horizon and risk and suitability questionnaire to determine which HCM portfolios you need for your account.
