• A Real Opportunity - True Asset Class Diversification:
  
  Our Model Growth Portfolio, which can be blended with more conservative options, has produced impressive returns for our clients while reducing exposure to any single asset class. Numerous studies show that roughly 90% of your portfolio's returns come from your allocation to different asset classes and approximately 10% comes from decisions about individual stock selection and attempted market timing. Your investment portfolio needs a well organized asset allocation strategy for global stocks, global bonds, commodities, currencies, precious metals, timber, and global real estate (both commercial and residential). These writings explain our basic portfolio management strategy and how CCM can make a difference.

• Nationwide Wealth Management Services
  
  You are looking for the best money manager available, not the best manager available in your local area. With internet access to your accounts, email, and FED-EX, there are no longer any geographic barriers when it comes to choosing the right money manager.

• Customized Portfolios Based On Sound Financial Planning
  
  After taking the time to understand your personal situation and goals, we work with you to create a financial plan and build custom portfolios for each client. Our wealth management strategies help you protect your investment capital.

• Real Diversification Is Global & Uses Multiple Asset Classes
  
  Based on the current global investment landscape (the "Flat World"), traditional investors who primarily invest in a portfolio heavily concentrated in U.S. stocks and U.S. bonds, may be disappointed (on a relative or inflation-adjusted basis) during the next decade. A properly designed investment strategy should include more than U.S. stocks & bonds. In today's world, truly diversified portfolios have global exposure to stocks, bonds, base commodities, silver, gold, real estate, and foreign currencies. With this approach, it is possible to make money in both good and bad markets for U.S. stocks, and more importantly, avoid large losses that many investors experienced from 2000 - 2002.

• Need For Global, Theme-Based Investment Strategy:
  
  
  
  In the current environment, it is imperative that investors consider exposure to other asset classes in addition to the traditional classes of U.S. stocks and U.S. bonds. Our comprehensive, high-level investment approach is based on five critically important global themes.
  • The long-term outlook for U.S. stocks, on an inflation adjusted basis, is for below average returns. There is a better way to invest in the U.S. stock market - more

  • Over the next decade, the outlook for commodities, especially energy and gold, is very positive - more

  • Investing In A Flat World: China and India's above average growth rates and expanding upper and middle class offer attractive long-term opportunities in several countries which can profit from increased demand and buying power - more

  • The strong case for continued long-term weakness in the U.S. Dollar, as well as a long-term bias towards higher interest rates presents investors with some unique opportunities in precious metals, commodity, global bond and currency markets - more

  • The five-year outlook for U.S. residential real estate assets highlights the need to diversify your investments and take advantage of new, long-term investment themes. Asian real estate may benefit longer-term from growing incomes in China and India - more

• Need For High Level Financial Advice & Research:
  
  If you or your current financial advisor do not understand the implications of the five major themes, you may be significantly disappointed with your long-term wealth management results. It may be time to consider making a strategic change. Next Steps - Our Wealth Management Process
  
  

Material Which Supports The Major Themes

• Recent Essays by Chris Ciovacco

• Foreign Diversification Pays BusinessWeek Jan 2006

Articles For Each Theme Are At The Bottom of These Pages

• U.S Stocks Page
  
• Commodities Page
  
• Asia Page
  
• U.S. Dollar Page
  
• Real Estate Page

Ciovacco Capital Management, LLC ("CCM") is a Registered Investment Advisor pursuant to the Investment Advisors Act of 1940. Click here to view CCM's FORM ADV Part II.

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