|
Investment
Group & Process
| "Our
objective is to consistently provide competitive returns
while maintaining below market risk" |
The
New Hampshire Trust Company is a conservative investment
management firm, believing the top down, sector weighted
approach provides the best risk adjusted long-term performance
results. The Trust Company’s investment philosophy
is driven by an analysis of the broad economic environment
coupled with a fundamental approach to managing economic
sector allocation.
The Trust Company selects individual stocks that tend
to represent good value, relative to others in their industry,
when considering company earnings, dividends or assets.
Monitoring industry allocation is a key strategy.
The New Hampshire Trust Company's investment portfolios
are shaped by individual client investment requirements.
Portfolios are managed in accordance with individual risk
tolerances, income needs, tax consequences (if any), grantor
created trust restrictions and specific social criteria,
if desired. The Trust Company takes a long-term approach
to investing, with low turnover.
The managers seek to add value and enhance the risk-adjusted
returns of their client assets by constructing portfolios
within prudent guidelines developed by the consensus of
the Trust
Investment Committee.
Client assets are managed by individual managers with
peer oversight by the Investment Committee. The Investment
Committee determines economic projections, sector weightings
and asset allocations, as well as the approved list of
holdings. Within guidelines set forth by the Investment
Committee, managers have discretion with respect to specific
client objectives.
Investment
Management Process
The
local portfolio manager has the ultimate responsibility
for building client portfolios. The process includes:
Determining
specific client goals based on:
- time
horizon
- risk
tolerance
- overall
return objectives
- current
income needs
- tax
situation
Evaluation
of current economy:
- interest
rates
- valuation
levels
Deciding
upon the optimal asset allocation
Construction
of the investment portfolio
Ongoing
review process:
- reassess
objectives
- monitor
the financial markets
- evaluate
results
- rebalance
the portfolio as needed
|
