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Our Strategies

Multiple dynamic risk-managed strategies in a single account.

Fleet does not promote employing a single strategy based on but one investing methodology. Instead, FIeet encourages combinations of multiple diverse strategies into a single account. This is known as strategic diversification.

For decades now, people have been told they must invest in more asset classes. But we don’t think asset class diversification goes far enough. After all, it didn’t provide all of the answers in the financial meltdowns of 2000 or 2008.

In addition, the portfolio losses experienced in those crashes should have taught us that most traditional investment strategies tend to be effective only in certain market environments. Relying on a single strategy, regardless of asset classes chosen, ignores Wall Street saying that “Every strategy works, until it doesn’t.”

The Strategic Diversification concept takes investment risk management to a whole new level, with a mix of actively managed strategies that make it far more likely that some part of a portfolio is correctly positioned to weather market storms.

Adding multiple strategies to a portfolio seeks to provide a level of strategic diversification that aims to bridge the gap between bull market highs and bear market lows. It is an answer to “black swan” events, those unpredictable occurrences that send financial markets into a tailspin. The effect over time of having multiple strategies, each responding differently to various market environments, is designed to narrow the volatility while persuing one’s investment goals.

Removing emotion from investment decisions

Fleet Wealth Management TM was built around quantified, active investment management, and strategic diversification—the theory and practice that one needs strategies that can be responsive to various market environments and that no single investment approach works in every market environment all the time. Bear markets and black swan events can have an outsized detrimental effect on individual investors. This is why we are dedicated to research.

Quantitative investing begins with an idea of how markets should react in various market conditions. It is understood that there is no single solution or Holy Grail for investing. The financial markets are too complex to be so easily conquered. Instead, one must seek to create innovative approaches to take advantage of the various identifiable market inefficiencies—trend following, factor analysis favoring small and value-oriented investing, behavioral biases of investors that can be viewed as opportunities for profit, for example.

Once an idea is formed, a methodology is created to take advantage of it in the markets. But before that methodology can be implemented, it must be tested

Fleet follows a rigorous testing protocol for each of its strategies. It begins with back-testing the methodology. Back-testing is essential to gain confidence in a trading approach and to allow for the development and introduction of new strategies.

Growing Capital by Protecting Capital

Today’s financial markets are increasingly more volatile. Through our disciplined approach to managing market risk, we accelerate the growth of capital by protecting it.

We believe that even in tough market conditions, there is an opportunity to prosper and continue moving toward your investment goals.

We believe that having a disciplined approach to managing portfolios removes the common pitfall of letting emotion drive investor decisions.

We believe effective portfolio management should mitigate market volatility to give investors peace of mind.

We believe that risk management and the protection of capital from major declines in the stock market like 2000 to 2002 and again in 2008 and 2009 are our primary goals.

We believe the best money an investor makes is the money they don't lose in a Bear Market!

Fleet Wealth Management Group is focused on providing investment solutions to our clients in meeting their long-term financial objectives guided by principals that support growth capital with less risk.

Our approach to offering these solutions is based on two pillars of financial asset management:

  1. Meeting our clients’ income needs by using our customized income portfolio,
  2. Meeting long-term goals of capital growth using our Tactical Capital Appreciation Strategy.

Custom Income Portfolio

In today's depressed interest-rate environment, there are a large number of people with hard-earned savings who are punished by very low income-yielding alternatives in the form of very expensive annuity contracts or conservative bond portfolio solutions focused primarily on preserving the initial investment. These solutions provide extremely low-income streams by any historical and practical measures, in return for guaranteeing the relative safety of the principal.

Our approach is solving our clients’ needs by maximizing the income, with a diversified portfolio of high-yielding instruments, and managing the risk through diversification, portfolio rebalancing and introducing dividend growing components within the portfolio.

While this approach may from time to time result in market value portfolio fluctuations, it meets its main objective of generating higher-yielding cash flows to meet our clients' income needs.

Once we establish a client's risk tolerance and income needs, we allocate the share of assets to meet these base-level requirements. The remaining assets are allocated towards conservative income-growth opportunities.

Tactical Capital Appreciation Strategy

Our Tactical Capital Appreciation Strategy is designed to serve those investors who have a higher appetite for risk or those who would like to deploy a portion of their assets, after their basic income needs have been satisfied, in pursuit of more opportunistic market situations. This strategy is designed to take advantage of technical indicators in choosing appropriate spots for entering and exiting markets, thus delivering higher than market performance, with lower than market volatility over the long run. This tactical money management vehicle is based on Fleet’s proprietary strategy.

Obviously, as with any alternative strategy, there are periods when our technical signals may underperform a buy-and-hold strategy. It is possible Fleet may miss some upswings in order to avoid downside risk. The goal of Fleet's tactical strategy is to deliver more consistent and less volatile performance compared to traditional buy-and-hold strategies. We believe our investors benefit from Fleet's constant attention to managing portfolio risk with the intent of reducing downside volatility. Because we rigorously follow our models, investors know what to expect from us. After all, pacing and discipline are what's needed to win any long-distance race, and long-term investing is no different.