Investment Services
A tailored Client Experience
Many financial professionals try to make investments as easy to understand as possible. In doing so, they may oversimplify what it takes to be successful and short-change your investment potential. A common shortcut is the use of generic formulas.
For example if you want to retire in ten years, many financial professionals would simply apply a formula that says that you should be invested 60% in stocks and 40% in bonds.
At Cabot Lodge, we spend the time to get to know our clients and understand their needs before devising an investment strategy. We listen to our clients, and help them identify and prioritize their goals. We believe that a generic formula or a “rule of thumb” may be a helpful guideline, but we treat each client as an individual, with unique needs, goals, investment experience, risk profiles, time horizons, and desires in how they wish to work with their Advisor.
We establish the time horizon for each of your goals. We assess your risk tolerance, discuss the various buy/sell disciplines, and recommend an asset allocation strategy tailored to your goals, your overall financial situation and the suitability of specific investments for you.
Savings accounts currently pay an average interest rate of less than one percent anually. Money Market accounts and Certificates of Deposits have only slightly higher yields. None of these instruments are providing returns that are greater than inflation over time. That is where your other investments play a key role in your portofolio.
Traditional investments are typically used to help battle against the portfolio deterioration effects of inflation. A traditional investment strategy relies upon the use of stocks and bonds.
.
Stocks
Stocks represent ownership interests in companies. The value of that ownership stake increases and decreases over the long-term in accordance with the success of that company’s underlying business. Companies pay their shareholders through dividends. When picking stocks you should consider the industry, the company’s position within that industry, its management, products, financial strength and prospects as well as any material events which might effect any of these items.
Bonds
Bonds are essentially loans made by investors to governments, municipalities or corporations. When you buy a bond, you become a lender. As long as the borrower remains solvent, your principal is repaid along with interest, known as the coupon. Bonds held until maturing normally pay the full face amount. However, if they are sold prior to maturity, their value may be higher or lower than the face value. Investors should consider interest rate and credit risks when determining whether to invest in bonds, and they should also consider the tax implications.
Stocks & Bonds
In today’s economic environment, most investors recognize that many of their goals cannot be met with the rates of return associated with short-term investments. As a result, you can increase your chances of success by having a well thought out investment strategy that is:
-
- Tailored to meet your goals
- Built upon a proven framework
- Designed to address inflationary concerns
- Guided by discipline, not emotions
- Monitored on an ongoing basis
Stocks & Bonds
Stocks, or equities as they are also known, are a type of security that represents ownership in a corporation. Bonds are essentially loans made by investors to governments or corporations.
Mutual Funds
With more than 10,000 mutual funds available, and many working Americans investing in them through their employer-sponsored plans, mutual funds are the mainstay of many portfolios.
Alternative Investments
Alternative Investments, which have historically been available only to high net worth investors, are now available, when suitable, to most investors through Cabot Lodge Securities LLC.
Retirement Planning
Retirement is a major concern for most investors today. Cabot Lodge can help its clients plan for their retirement strategically.
Real Estate Investment Trusts (REITs)
Real Estate is an important component of a well diverisified portfolio. Cabot Lodge can help its clients identify profesionally managed REITs.
CL Wealth Management
CLWM is a registered investment advisor firm focused on crafting individual portfolios to meet the specific needs of each client.
Contact Us
