Investment Strategy and Principles

At CAIM, we bring professional investing philosophy to the every day investor. Why? Because most professional investors achieve better returns than the average person, particularly over the long term. That’s why CAIM believes the following principles are critical to successful investing:

Focus On The Long Term

We start by helping you define your investment goals. We then choose the investments we believe will best achieve your goals and, unless the fundamentals of those investments change, we stick with them.

Do Not Chase Performance

We do not jump on the “hot” investment ticket of the day because, unfortunately, by the time most investors make that jump, it’s too late—the investment has either peaked or could well be heading for a fall.

Be Disciplined: Buy Low And Sell High

This is what we call “smart rebalancing,” and requires the skill and patience of a seasoned investment professional. CAIM brings more than two decades of market experience and discipline to bear; sometimes such instinct is what makes the difference between buying and selling at an inappropriate time.

Partnership

Defined as “a cooperative relationship between people or groups who agree to share responsibility for achieving some specific goal,” partnership is one of the most important areas on which CAIM focuses. Setting and meeting client-specific goals is not only our priority, but joint achievement is something we genuinely enjoy. We look forward to partnering with our clients actively.

Once a client’s portfolio is established, we use “smart rebalancing” to monitor the portfolio. By moving from our over-weighted positions to underweighted positions we are staying ahead of the trends—and our smaller more agile capabilities provide the ability to change portfolio positions in a way that larger investment managers cannot.

Overall, our goal is to provide our clients with consistent returns over the long term, rather than chasing market performance up (or down) in any one year. The markets are not always rational; they are often filled with emotion. For any investor to be successful, we believe long-term commitment is necessary.

Investment Focus

CAIM’s mission is to meet long-term investment goals by creating dividend yielding portfolios with low volatility, specifically for Baby Boomers and women. The entire investment portfolio is researched, monitored and actively managed by Catherine Maniscalco Avery and her team. Depending on the size of the portfolio and how CAIM’s expertise fits into a particular client’s diversification strategy, CAIM will customize a portfolio based on value dividend investing.

When choosing individual stocks for an investment portfolio, we focus on equities with the potential to increase dividends in the future. In general, these companies have favorable balance sheets and above average levels of cash flow per share. We buy them when we believe they are trading at a discount to their future value and sell them when they are overvalued or management is unable to achieve its goals.

Investing in companies whose dividends help to meet the financial goals of many clients: