Investment Management
in Massachusetts
Aiming to maximize the potential of your portfolio.
What is Investment Management?
Investment management is the process of handling assets like stocks or bonds to meet investment goals. The investment management process involves strategic asset allocation, investment management portfolio, risk management, and performance evaluation.
Sound complicated? With the right help, it’s not. At its core, investment management is about making informed decisions to grow and preserve wealth. And at Oliver Capital Management, we bring a personalized approach to investment management. Each client has their own unique financial goals and risk tolerance. By tailoring strategies to individual needs, we help everyday clients in Massachusetts achieve their financial objectives effectively and efficiently.
What does investment management entail?
Key components of investment management include:
Strategic Asset Allocation
Determining the mix of asset classes to target desired returns while managing risk.
Investment Management Portfolio
Overseeing a collection of investments to ensure they align with the investor’s goals.
Risk Management
Identifying, assessing, and mitigating financial risks to protect investments.
Performance Evaluation
Regularly reviewing investment performance to ensure objectives are being met.
What Are the Different Types of Investment Management?
Understanding these different types of investment management can help you choose the most suitable approach for your financial goals.
Active Management
Active management involves frequent buying and selling of assets to outperform the market. This approach requires constant monitoring and analysis to make strategic trades.
- Benefits: Potential for higher returns through informed, timely trades.
- Drawbacks: Higher fees and greater risk due to frequent trading.
Passive Management
Passive management, or index investing, revolves around replicating the performance of a specific index, like the S&P 500. This approach involves less frequent trading and focuses on long-term growth for clients with a lower risk tolerance.
- Benefits: Lower fees and broad market exposure to help those with lower risk tolerance.
- Drawbacks: Potentially lower returns compared to active management.
Discretionary Management
In discretionary management, the investment manager makes decisions and executes trades on behalf of the client. This approach leverages professional expertise to manage investments effectively.
- Benefits: Professional expertise, which ultimately saves time for the client.
- Drawbacks: Less control for the client.
Non-Discretionary Management
Clients who opt for non-discretionary management will see the financial manager providing advice – but ultimately, the client makes the final decisions on trades. This approach combines professional guidance with client control.
- Benefits: The client retains control, but benefits from professional advice.
- Drawbacks: Requires more time involvement from the client.
Robo-Advisors
Have you heard of Robo-advisors? These advisors are automated platforms that provide algorithm-driven investment management services. They are an excellent option for those with smaller portfolios – or those looking for cost-effective solutions.
- Benefits: Cost-effective, suitable for smaller portfolios.
- Drawbacks: Less personalized service – and clients will rely on algorithms, which may not make every client feel comfortable.
All investing involves risk including the possible loss or principal.
Diversification, Asset allocation, Tactical Allocation and Rebalancing are strategies designed to help manage investment risk. It does not guarantee a profit or protect against investment loss in declining markets. No strategies assures success or protects against loss.
How Much Does Investment Management Cost?
Understanding the fee structure for investment management before starting is critical. We’ll provide a clear breakdown of investment management fees to show you how pricing typically works in this industry.
Asset-Based Fees
Asset-based fees are a percentage of the assets under management (AUM), typically ranging from 0.5% to 2% annually. This aligns the manager’s compensation with the portfolio’s growth, making it scalable.
Flat Fees
Flat fees are fixed amounts paid for services, either annually or monthly, regardless of portfolio size. This provides cost predictability and simplicity.
Performance-Based Fees
Performance-based fees are a percentage of the profits generated from investments. This incentivizes managers to perform well but can result in higher costs if the portfolio performs exceptionally.
Hourly Rates
Hourly rates are charged for specific consultations or services, ideal for clients needing occasional advice rather than ongoing management.
At Oliver Capital Management, we prioritize transparent and competitive pricing that works best for our clients. That’s why we tailor our fee structures to each client’s financial situation and goals. We work with you to find the most suitable structure.
What is a Fiduciary?
If you’ve done some preliminary investment management research, you might have come across the word fiduciary. What exactly is a fiduciary?
A fiduciary is a person or organization that acts on behalf of another person, putting their clients’ interests ahead of their own, with a duty to preserve good faith and trust. In the realm of management, fiduciaries are legally and ethically required to act in the best interests of their clients, ensuring transparency, loyalty, and prudence.
At Oliver Capital Management, John Conte acts as a fiduciary and exemplifies the role with nearly two decades of experience helping clients achieve their financial goals. John’s extensive experience ensures he makes strategic and informed decisions for his clients, helping them achieve their tailored financial goals.
John’s commitment to his fiduciary duty means he prioritizes transparency and trust, providing clients with clear financial guidance. This dedication not only protects clients’ investments but it also means many of his clients work with him for a long time! By choosing Oliver Capital Management, clients benefit from John’s experience and unwavering commitment to their financial success.
Book Your Investment Management Call with John Conte
Are you ready to take control of your financial future, with the guidance of a dedicated fiduciary? At Oliver Capital Management, we are committed to maximizing the potential of your investment profile – no matter your risk tolerance. Experience the benefits of working with a firm that puts your interests first and provides professional and transparent financial advice.
Discover how personalized investment strategies and nearly two decades of experience can help you achieve your financial goals. Schedule a consultation with John Conte at Oliver Capital Management.