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Cowan Capital Market Updates are privileged information for our clients. To access, please enter your password.

Cowan Capital Market Updates are privileged information for our clients. To access, please enter your password.

Cowan Capital Market Updates are privileged information for our clients. To access, please enter your password.

Cowan Capital Market Updates are privileged information for our clients. To access, please enter your password.

HOW WE MANAGE

Effective portfolio strategies are those which provide a solution to one simple question.

DO WE HAVE ENOUGH WEALTH TO REACH ALL OUR INVESTMENT GOALS?

Case in point. An investor needs $60,000 in annual cash flow from their portfolio. A $2.0 million portfolio can easily sustain this level of distribution over the long haul (35+ years.) The question then becomes what level of growth is needed to sustain this three percent level of distribution plus inflation. Assuming the long-term rate of inflation is three percent our hurdle rate is six percent. Does your portfolio need to set up to produce a ten percent level of distribution? In reality no. It can be structured for a more moderated growth rate which will provide the required cash flow plus inflation. In short, building a portfolio which produces enough wealth to allow you to achieve all your investment goals.

Cowan Capital utilizes Nitrogen risk management software to determine the following:

Nitrogen
Flowchart
  • Establish what your self-assessed baseline risk tolerance is.
  • Determine what the risk of your current portfolio is and if that risk is consistent with your baseline risk tolerance.
  • Analyzing how much risk do you actually need to take to meet your financial objectives.

Next we construct and implement an investment portfolio consistent with the actual amount of risk and wealth needed. Click the below Research Process link to find out more about our research process and portfolios.

RESEARCH PROCESS

Cowan Capital, LLC is an investment advisory firm registered in California, and conducting business in other states where the firm is registered or exempt from registration requirements.

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Cowan Capital claims compliance with the Global Investment Performance Standards (GIPS®). GIPS® is a registered trademark of the CFA Institute. The CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein. To request a copy of Cowan Capital’s composite please contact us or click here.

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