Investment management philosophy

At Private Harbour, we seek to preserve and grow client wealth by managing risks and aiming to keep returns comfortably ahead of inflation. We primarily use three core strategies depending on your risk tolerance, goals and situation.

Private Harbour Core Equity Strategy
The Private Harbour Core Equity investment strategy is for clients who want a portfolio entirely in common stocks but with a conservative bias.

Using this strategy, we invest in companies we believe will deliver steady and consistent long-term growth in revenues and earnings. while building portfolios that attempt to moderate risk of permanent principal loss. We typically screen for well-established companies with a long-term track record of earnings growth, high return on capital and increasing their dividends.

Private Harbour uses fundamental and technical analysis to identify the companies and the target entry and exit prices we believe will provide a healthy margin of safety for our clients. Experience has taught us that this value-bias helps limit portfolio downside during the more challenging conditions when the stock market is declining.

If you seek an all-stock investment approach while striving to soften the market’s volatility, please let us know that you feel our Core Equity strategy is appropriate for you.

Private Harbour Balanced Strategy
The Private Harbour Balanced investment strategy blends the Core Equity approach with client-specific allocations of fixed income investments. We design custom portfolios in order to match portfolio risk with our client’s risk tolerance. Individual and institutional clients can benefit from our approach to risk management versus an all-equity portfolio.

Depending on your circumstances, our fixed income allocation can incorporate default-risk-free taxable treasury bonds, certificates of deposit, corporate bonds, tax-free municipal bonds and preferred stocks. Additionally, should there be a specific time-constraint on the withdrawal of your funds, we can also blend those with our sense of the best available values given the currently available rates on the yield curve and interest rate spreads.

If you are interested in further reducing the volatility of your portfolio relative to our all-equity Core Equity approach, please let us know that you feel our Balanced Strategy might be for you.

Private Harbour Income Generation Strategy
You might need more current income than can be reasonably expected from a balanced investment approach. In these situations, we strive to generate significant current cash flow while giving due consideration to the many risks inherent in such a strategy. Maximum cash flow must be balanced with a number of risks: default, interest rate duration and inflation. This strategy might be used to generate sufficient income on which to live or to enhance the long-term return on a corporate cash account.

If you would like to maximize your current cash flow, please let us know that you feel our Income Generation Strategy might be for you.