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HCM's Risk Management Programs for Mutual Funds and Variable Annunities
Description: Conservative, longer-term risk management programs for mutual fund and VA investors.Management Strategy: HCM's risk management programs add an additional layer of management oversight to a client's mutual fund or VA investment. Once a client has invested in a fund or VA HCM is approved to manage, we are given discretionary authority to move the account between the fund or funds selected and the money market fund within the same fund family.
HCM’s Risk Management Systems are designed to keep portfolio’s “in-tune” with market conditions at all times. While there are never any guarantees in investing, HCM strives to reduce exposure to market risk during high risk market periods.
Alternative To: Buy and hold approach to mutual funds and variable annuities
Account Type & Securities Utilized: Direct Ownership of Variable Annuity Contracts and Mutual Funds. Assets are in client’s name and client retains all indicia of ownership. Securities used in the program include traditional Mutual Funds and VA separate accounts.
See your HCM Representative for available programs.
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