10 PORTFOLIOS / 29 MODELS
HCM Separately Managed Accounts
- All American
- All Weather
- ALP
- Dividend Income
- Horizon Income
- ILP ETF
- ILP MF
- MIP
- Ultra Aggressive
- Viper 2
All American
The All American Portfolios are designed for growth investors with varying risk and return objectives.
In managing these blended, unconstrained portfolios, our Proactive Sector Rotation methodology allows us to invest in any combination of sectors or asset classes which we believe have the best potential to achieve the portfolio’s risk/return objectives. Each model holds mutual funds and ETFs, with the equity portion focused on specific sectors.
$25,000
- Unconstrained in the market and sectors in attempt to identify the best allocation per model and different risk tolerance targets
- Programs are managed for investors of all risk tolerance preferences in the Aggressive Growth, Growth, Balanced Growth and Conservative Growth models.
- Can go up to 100% cash or cash equivalent within its equity position to minimize loss in a market downturn.
All American Conservative

- 45% Equity
- 55% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 40%
- Barclay Capital US Aggregate Bond TR Index – 55%
All American Balanced

- 65% Equity
- 35% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 60%
- Barclay Capital US Aggregate Bond TR Index – 35%
All American Growth

- 80% Equity
- 20% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 85%
- Barclay Capital US Aggregate Bond TR Index – 10%
All American Aggressive

- 100% Equity
Comparative Benchmarks
- S&P 500 TR – 10%
- HFRX Equity Hedge Index – 90%
- Barclay Capital US Aggregate Bond TR Index – 0%
All Weather
The All Weather portfolio is for investors nearing or in retirement who are concerned with the preservation of their capital, yet still desire income and growth.
All Weather portfolios are diversified, multi-income portfolios designed to objectively seek lower volatility investments and consistent absolute return. This managed model takes a growth and income investment approach, offering a multi-income diversified portfolio designed for moderate investors. The model is consistently monitored to replace under-performing holdings with higher ranking investments as determined by our quantitative model. The model can go up to 100% cash or cash equivalents within its equity position to help minimize loss in a market downturn.
$25,000
- Objectively seeks lower volatility and consistent absolute return
- Redeploys capital from underperforming positions into higher ranked investments.
- Can go up to 100% cash or cash equivalent within its equity position to minimize loss in a market downturn.
HCM All Weather

- 45% Equity
- 55% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 40%
- Barclay Capital US Aggregate Bond TR Index – 55%
Resources & Disclosures
ALP
The Active Lifestyle Portfolios (ALPs) are designed for growth-oriented investors across all risk and return objectives.
These portfolios take a multi-asset, unconstrained, tactical growth approach. The strategy is designed to maximize returns through full market cycles by investing in any combination of sectors, asset classes, styles, and sub-sectors as determined by our quantitative model. The portfolio utilizes a proprietary, quantitative relative strength and momentum ranking process, which targets opportunistic investments with the best potential to achieve the portfolio’s risk/return objectives, as indicated by the quantitative model. This portfolio provides a complement to, or a replacement of, a buy and hold asset allocation portfolio.
$25,000
- Unconstrained in the market and specific sectors to identify the best allocation per risk model
- Attempts to combat unforeseen market declines utilizing a “stop-system” consisting of an initial stop out tranche that exits a poor performing investment, with subsequent walk-behind stops capable of liquidating the entire position when triggered.
- Typically holds 3-7 different mutual funds and ETFs within the equity portion focused on specific indexes and sectors.
- Can go up to 100% cash or cash equivalents within its risk asset positions to minimize loss in a market downturn.The degree to which the portfolio moves to cash or cash equivalents is determined by the HCM-BuyLine®.
ALP Conservative

- 45% Equity
- 55% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 40%
- Barclay Capital US Aggregate Bond TR Index – 55%
ALP Balanced

- 65% Equity
- 35% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 60%
- Barclay Capital US Aggregate Bond TR Index – 35%
ALP Growth

- 80% Equity
- 20% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 85%
- Barclay Capital US Aggregate Bond TR Index – 10%
ALP Aggressive

- 100% Equity
Comparative Benchmarks
- S&P 500 TR – 10%
- HFRX Equity Hedge Index – 90%
- Barclay Capital US Aggregate Bond TR Index – 0%
Dividend Income
Dividend Income portfolios are designed for investors who seek growth and income with varying risk return objectives.
These portfolios seek consistent, long term capital appreciation and growth of income by investing in top dividend paying and multi-asset income securities as determined by our quantitative model.The portfolio provides a complement to, or a replacement of, a buy and hold asset allocation portfolio.
$25,000
- Blended to combine multi-asset income strategies and equity strategies.
- During positive market trends, the strategy will seek growth in dividend-paying securities
- Portfolio Utilizes a proprietary, quantitative security selection process with a focus on relative strength and momentum. This process targets opportunistic investments that have the best potential to achieve the portfolio’s risk/return objectives, as indicated by the quantitative model.
- Can go up to 100% cash or cash equivalents within its risk asset positions to minimize loss in a market downturn. The degree to which the portfolio moves to cash or cash equivalents is determined by the HCM BuyLine®.
Dividend Income Conservative

- 45% Equity
- 55% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 10%
- HFRX Equity Hedge Index – 35%
- Barclay Capital US Aggregate Bond TR Index – 55%
Dividend Income Balanced

- 65% Equity
- 35% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 20%
- HFRX Equity Hedge Index – 45%
- Barclay Capital US Aggregate Bond TR Index – 35%
Dividend Income Growth

- 80% Equity
- 20% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 20%
- HFRX Equity Hedge Index – 60%
- Barclay Capital US Aggregate Bond TR Index – 20%
Horizon Income
- Unconstrained in the multi-income market
- Typically contains holdings in one or two sectors of the multi-income market at any given time.
- Capable of rotating sectors on a periodic basis.
- Can get defensive during market downturns and allocate into defensive sectors or areas of the market, i.e., ultra short-term bonds, government securities, cash etc. The positioning of this portfolio is determined by the HCM-BuyLine®.
Horizon Income
- 35% Equity
- 65% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 30%
- Barclay Capital US Aggregate Bond TR Index – 65%
ILP ETF
TInvestor Lifestyle Portfolios (ILP) ETFs are designed for investors who seek a less active approach to investment management and have a longer investment time horizon to allow assets to grow.s.
These portfolios provide investors a range of risk/return objectives that use Howard Capital Management’s (HCM) proprietary fund selection methodology to construct targeted equity and bond allocations. The goal is to meet performance objectives over an extended investment period, and defense in times of market downturns.
$25,000
- Favors a more strategic long term approach by selecting high ranking investments with periodic shifts away from under-performing investments.
- Blended to combine multi-income and equity ETFs for investors with long term growth objectives in a more tax efficient manner.
- Can go up to 100% cash or cash equivalent within its equity position to help mitigate loss during extended market downturns.
ILP ETF Conservative

- 45% Equity
- 55% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 40%
- Barclay Capital US Aggregate Bond TR Index – 55%
ILP ETF Balanced

- 65% Equity
- 35% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 60%
- Barclay Capital US Aggregate Bond TR Index – 35%
ILP ETF Growth

- 80% Equity
- 20% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 30%
- HFRX Equity Hedge Index – 50%
- Barclay Capital US Aggregate Bond TR Index – 20%
ILP MF
Investor Lifestyle Portfolios (ILP) MF are designed for investors who seek a less active approach to investment management and have a longer investment time horizon to allow assets to grow.
These portfolios provide investors a range of risk/return objectives that use Howard Capital Management’s (HCM) proprietary fund selection methodology to construct targeted equity and bond allocations. The goal is to meet performance objectives over an extended investment period, and defense in times of market downturns.
$25,000
- Favors a more strategic long term approach by selecting high ranking investments with periodic shifts away from under-performing investments.
- Blended to combine multi-income and equity Mutual Funds for investors with long term growth objectives.
- Can go up to 100% cash or cash equivalent within its equity position to help mitigate loss during extended market downturns.
ILP MF Conservative

- 45% Equity
- 55% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 40%
- Barclay Capital US Aggregate Bond TR Index – 55%
ILP MF Balanced

- 65% Equity
- 35% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 60%
- Barclay Capital US Aggregate Bond TR Index – 35%
ILP MF Growth

- 80% Equity
- 20% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 75%
- Barclay Capital US Aggregate Bond TR Index – 20%
Ultra Aggressive
The Ultra Aggressive portfolio is for high-risk tolerance investors seeking to maximize returns and capital gains through an aggressive investment approach.
The Ultra Aggressive portfolio trades exchange-traded funds (ETFs),investing in high-risk, high reward investments and asset classes. The portfolio is designed for investors with a high risk tolerance and or a long-term investment horizon to sustain possible market fluctuations from using an aggressive growth approach. Holdings rotate among various sectors, sub sectors, and asset classes based on potential return opportunities indicated by Howard Capital Management Inc.’s (HCM) Proactive Sector Rotation methodology.
$500,000
- This portfolio is unconstrained by the market and its sectors, trading ETFs; can use leveraged investments
- Portfolio can rotate holdings among sectors and take concentrated positions based on perceieved opportunities for better returns.
- Rebalanced periodically, or based on
market movement. - Fully liquid, this portfolio can go up to 100% in cash or cash equivalents with the HCM-BuyLine® to potentially minimize loss in a market downturns.
5. Portfolio is for growth investors seeking to maximize returns and capital gains through an aggressive investment approach.
Ultra Aggressive

- 100% Equity
- 0% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 20%
- HFRX Equity Hedge Index – 80%
- Barclay Capital US Aggregate Bond TR Index – 0%
Resources & Disclosures
Viper 2
- Opportunistic, blended allocations. Unconstrained by markets, sectors or asset classes
- Seeks the best allocation to achieve each model’s risk return objectives. May take concentrated positions in sectors.
- Can go up to 100% cash or cash equivalent within its equity position to help mitigate loss during extended market downturns.
Viper 2 Conservative
- 45% Equity
- 55% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 40%
- Barclay Capital US Aggregate Bond TR Index – 55%
Viper 2 Balanced
- 65% Equity
- 35% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 60%
- Barclay Capital US Aggregate Bond TR Index – 35%
Viper 2 Growth
- 80% Equity
- 20% Multi-Income
Comparative Benchmarks
- S&P 500 TR – 5%
- HFRX Equity Hedge Index – 75%
- Barclay Capital US Aggregate Bond TR Index – 20%
Viper 2 Aggressive
- 100% Equity
Comparative Benchmarks
- S&P 500 TR – 20%
- HFRX Equity Hedge Index – 80%
- Barclay Capital US Aggregate Bond TR Index – 0%
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. Investing comes with risk, including the risk of loss. HCM cannot guarantee success of any investments. Investments and investment recommendations made by HCM may result in losses. 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.

LET'S DO IT
ADDRESS
HOURS
PRESS ROOM