The management of investments for our clients is one of the most important responsibilities we assume. Our goal is to customize a plan that aligns with your risk tolerance, time horizon, liquidity needs, and tax considerations. To help our clients reach their goals; we use stock and bond mutual funds, individual stocks and bonds, or a combination of both.
The focus of our investment philosophy is asset allocation and diversification. Asset allocation is used to provide the optimal mix of stocks and bonds while diversification is used to spread risk among asset classes and sectors.
Common Stock Philosophy
- Invest in high quality companies that have demonstrated the ability to produce solid rates of return over long periods of time.
- Portfolios are diversified according to the Standard and Poor’s 500.
- For clients with an interest in individual equities, we utilize Large Cap Value stocks.
- Mutual fund investments are selected from multiple fund families.
Fixed Income Philosophy
- The objective of our fixed income portfolios is to produce a reasonable level of income at a minimum of risk.
- Individual bond portfolios are constructed of bonds rated “A” or better by Moody’s and/or Standard and Poor’s to maintain quality and minimize business risk.
- Fixed income mutual funds are selected based on long-tem performance and portfolio quality.
Once an account is invested, we regularly review the investments for adherence to the asset allocation model and make adjustments based on market conditions and performance. We also communicate with our clients on a regular basis to be certain we are meeting their needs and, when applicable, adjust their portfolio.
At The State Bank, we take seriously the trust our clients have placed in us and we believe, without question, that their success is our success. Contact us for more information.
Non-deposit trust products are not insured by the FDIC, are not deposits or other obligations of the bank, are not guaranteed by the bank, and are subject to investments risks, including possible loss of the principal invested.