Returns matter.
Risk management matters.

Invest today

Defend tomorrow, today.


It’s not if the market will turn, but when. At Howard Capital Management, Inc. (HCM) we invest with math-based, proprietary technology designed to attempt to minimize loss and maximize gains in complex market conditions.

  • WHAT WE DO

    Money Management

    Whether you’re saving for a new home, planning for retirement or in retirement, we have a portfolio model or tool to suit your needs, risk level and goals.

    Learn More
  • WHAT WE DO

    Private Wealth Services

    We partner with financial advisors and their high-net-worth clients to provide personalized investment portfolios, tax strategies, business planning, and more.

    Learn More
  • WHAT WE DO

    Retirement Tools

    We developed proprietary investing tools to assist participants in saving for retirement including the 401(k) Optimzier®, TSP Optimzier®, and HCM-Guided Retirement.

    Learn More
Slide

WHAT WE DO

Money Management

Whether you're saving for a new home, planning for retirement or in retirement, we have a portfolio model or tool to suit your needs, risk level and goals.

Slide

WHAT WE DO

Private Wealth Services

We partner with financial advisors and their high-net-worth clients to provide personalized investment portfolios, tax strategies, business planning, and more.

Slide

WHAT WE DO

Retirement Tools

We developed proprietary investing tools to assist participants in saving for retirement including the 401(k) Optimizer®, TSP Optimizer®, and HCM-Guided Retirement.

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Slide

WHAT WE DO

Money Management

Whether you're saving for a new home, planning for retirement or in retirement, we have a portfolio model or tool to suit your needs, risk level and goals.

Slide

WHAT WE DO

Private Wealth Services

We partner with financial advisors and their high-net-worth clients to provide personalized investment portfolios, tax strategies, business planning, and more.

Slide

WHAT WE DO

Retirement Tools

We developed proprietary investing tools to assist participants in saving for retirement including the 401(k) Optimizer®, TSP Optimizer®, and HCM-Guided Retirement.

previous arrow
next arrow
PROPRIETARY TECHNOLOGY

For investors.
Not adrenaline junkies.

THE HCM-BUYLINE®

The HCM-BuyLine® is our proprietary stoploss indicator designed with the goal to mitigate downside risk and remove the emotion from the investing process. A disciplined strategy driven by mathematical market ratios, the model attempts to avoid major market downturns by moving out of equities while seeking to take advantage of market upturns.

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HCM-BUYLINE®

This graph illustrates the dates when the HCM-Buyline® precipitated a shift in asset allocations.

22-5-4-HCM-BuyLine

We support a wide range of platforms.

To view the list of available platforms, please log in to our advisor portal. 

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Mutual Funds are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares when redeemed may be worth more or less than their original costs. There are unique potential risks associated with the specific asset classes that a Mutual Fund represents. Changes in investment strategies, contributions or withdrawals may materially alter the performance, strategy, and results of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be equal to past performance level, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or be profitable for a client’s portfolio. Past performance does not guarantee future results. All investment strategies have the potential for profit or loss. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark for measuring the performance of a portfolio. There can be no guarantee that the HCM-BuyLine® indicator will perform as anticipated. Stoploss protection will not necessarily limit your losses to the desired amounts due to the limitations of the HCM-BuyLine®, market conditions, and delays in executing orders. It is not an actual stoploss order that automatically sells securities in the portfolio at a certain price.

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