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Roller coasters should be exciting. Not the market.

WHAT IS THE HCM-BUYLINE®?

Take emotion out of the equation

It is painful to watch the value of your portfolio drop, which is why we’ve spent years developing our proprietary HCM-BuyLine® to help defend assets. The HCM-BuyLine® uses a proprietary quantitative investment indicator to determine when we should be in or out of the market. This non-emotional, mechanical, and repeatable system helps take the emotion and the guesswork out of investment decisions. The graph below illustrates the dates when the HCM-BuyLine® precipitated a shift in asset allocations.

HCM-BuyLine® Historical Chart 1999-2023

The Line indicated on this the S&P 500. Historical performance for the SPDR® S&P 500® ETF Trust (Symbol: SPY) is provided for informational and illustrative purposes only. SPY seeks to provide investment results that, before expenses, correspond generally to the price and yield performance of the S&P 500® Index, a diversified large cap U.S. index that holds companies across all eleven Global Industry Classification Standards sectors. SPY performance is shown net of internal fund expenses, including fund management fees and transaction costs. It should not be assumed that your account or any Howard CM strategy or model holdings correspond directly to SPY or any comparative benchmarks.

The HCM-BuyLine®: Three scenarios.

Fully Invested

POSITIVE SIGNALS

Once the S&P 500 Index closes above the HCM-BuyLine® for five consecutive trading days after having dropped below one or both of the previous two levels, we will be reinvested in equities.

Reduced Equity Exposure

CAUTION SIGNALS

When the S&P 500 Index’s closing price drops to 3.5% below the HCM-BuyLine®, we will assume a reduced exposure in equities by investing in cash or cash equivalents.

Further Reduced Equity Exposure

NEGATIVE SIGNALS

If the S&P 500 Index drops to 6.5% below the HCM-BuyLine®, we will further reduce exposure in equities.

“Returns Matter. Risk Management Matters.”

– VANCE HOWARD, CEO + PORTFOLIO MANAGER

In use since 1996, this tool overlays all of our separately managed portfolios, as well as our proprietary Mutual Funds and ETFs. The HCM-BuyLine® uses trend analysis to help identify the broad trend in the equity market. When the trend is down, we reduce exposure to equities, and when the trend is up, we increase exposure to equities.

Important Disclosure Information, Limitations of the HCM-Buyline® Illustrator
The HCM Optimized Trend Indicator (“OTI”) also known as the HCM-Buyline® Illustrator is a tool developed by Howard Capital Management, Inc.

The Line indicated on this the S&P 500. Historical performance for the SPDR® S&P 500® ETF Trust (Symbol: SPY) is provided for informational and illustrative purposes only. SPY seeks to provide investment results that, before expenses, correspond generally to the price and yield performance of the S&P 500® Index, a diversified large cap U.S. index that holds companies across all eleven Global Industry Classification Standards sectors. SPY performance is shown net of internal fund expenses, including fund management fees and transaction costs. It should not be assumed that your account or any Howard CM strategy or model holdings correspond directly to SPY or any comparative benchmarks. LASS.OTI.WEB.011322

It’s not if the market will turn. It’s when.

Defend Tomorrow, Today.

Howard Lion

The HCM-BuyLine® indicator is designed to preserve capital in market downturns while seeking to outperform the major indices during market upswings. Our objective indicator is technical, working to direct us through bull and bear market trends.

The goal of the HCM-BuyLine® is to bypass the decline by moving to the safety of money markets and/or short-term bonds. Highlighting the financial meltdown in 2008 and again in 2020, the HCM-BuyLine® signaled to exit the equity market, allowing many clients to preserve capital and stem losses even during significant downturns in the broader markets.

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All investments 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 or ETF represents. You should carefully consider the risk, charges, and expenses of an ETF prior to investing. 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. 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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© 2023 HOWARD CAPITAL MANAGEMENT, INC.

This communication is issued by Howard Capital Management, Inc. It is for informational purposes and is not an official confirmation of terms. It is not guaranteed as to accuracy, nor is it a complete statement of the financial products or markets referred to. Opinions expressed are subject to change without notice. Howard Capital Management, Inc. may maintain long or short positions in the financial instruments referred to and may transact in them as principal or agent. Unless stated specifically otherwise, this is not a recommendation, offer or solicitation to buy or sell and any prices or quotations contained herein are indicative only. To the extent permitted by law, Howard Capital Management, Inc. does not accept any liability arising from the use of this communication. Howard Capital Management is an SEC-registered investment advisor which only does business where it is properly registered or is otherwise exempt from registration. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the advisor has attained a particular level of skill or ability. Past performance is no guarantee of future results.

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.

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