Investment Management
At Old Point Trust, our experienced investment managers provide you with a personalized, unique investment portfolio.
Our step-by-step investment approach consists of setting investment objectives, developing investment guidelines and establishing lines of communication.
First, We Listen To You and:
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Assess risk tolerance
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Determine income requirements
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Consider income tax circumstances to generate the best after-tax benefits.
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Set objectives
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Determine an appropriate asset allocation
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Consider types of investments
Second:
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Develop investment guidelines for structuring the portfolio
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Consider diversification among bonds and stocks
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Evaluate each stock for your portfolio
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Consider municipal or corporate bonds as appropriate
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Ladder maturities to reduce interest rate risk.
Third:
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Establish appropriate lines of communication
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Conduct periodic meetings to evaluate the portfolio’s performance
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Redefine objectives, if necessary
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Provide periodic accountings