Investment Management
At Old Point, 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:
-
Assess risk tolerance
-
Determine income requirements
-
Consider income tax circumstances to generate the best after-tax benefits.
-
Set objectives
-
Determine an appropriate asset allocation
-
Consider types of investments
Second:
-
Develop investment guidelines for structuring the portfolio
-
Consider diversification among bonds and stocks
-
Evaluate each stock for your portfolio
-
Consider municipal or corporate bonds as appropriate
-
Ladder maturities to reduce interest rate risk.
Third:
-
Establish appropriate lines of communication
-
Conduct periodic meetings to evaluate the portfolio’s performance
-
Redefine objectives, if necessary
-
Provide periodic accountings