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Investment Management

The economic markets of today are rapidly changing.  We analyze and monitor the movement of stocks, bonds, mutual funds, etfs, and money market funds to focus on proper asset allocation models.   In fact, we analyze all types of investment products and will educate you as to how these products will impact your portfolio.  We create portfolios that serve your needs for the future and for today.  We provide personal consultations to ensure that you have a full understanding of your investment plan. 

At Carolina Wealth Management,  we utilize four prudent investment strategies as the foundation for our investment management :

  • Balancing Risk And Return  - The informed investor knows that there is a trade-off between risk and return.  The greater the risk taken, the greater the potential return. We will teach our clients how to establish a comfortable balance between the two.  In our opinion, the balance is directly related to the investment time horizon of the individual - the longer the time horizon, the higher exposure to risk and conversely, the shorter the time horizon, the more limited the risk exposure.

  • Setting Goals and Objectives  - Each investor needs to have clearly established goals.  Long-range goals such as retirement or a child's education will indicate the need to look beyond short-term market fluctuations and this opens the door to a greater array of investment tools.  Short-term goals restrict the client's investment choices and the effectiveness of those products will depend heavily on short-term market fluctuations.  We will sort through the maze of investment products and offer recommendations based upon the client's goals.

  • Diversifying the Portfolio  - Because market conditions are constantly changing, putting all of one's eggs in one basket can backfire.  By appropriately combining several investments in a comprehensive investment portfolio, the degree of overall risk and reward will come into balance. We offer customized, diversified portfolio strategies for any array of market conditions and  investor risk preferences by selecting funds in various combinations of value managers, growth managers, small companies, large companies, technology and some indexes.

  • Using Sound Investment Products-  Prudent investment products lie at the core of any sound financial plan.  We are dedicated to finding these products and putting them to work for our clients.  We look for money managers who have identifiable, proven track records, whose funds have low expense ratios and consistent returns in all types of market conditions.