A Balance Sheet Focused Investment Discipline
In today's complex financial landscape, preserving and growing your wealth requires a strategic approach. Fixed income investing offers stability, predictable returns, and a lower risk profile, making it an essential component of a well-rounded investment portfolio. At EPG, we specialize in crafting tailored fixed income strategies that align with your unique financial goals. With our deep expertise and commitment to personalized service, we help you navigate the market's intricacies, ensuring your investments work as hard as you do.
1. Understanding
Our Pillars of Fixed Income Investment
EPG works with you to implement high-quality fixed-income investment recommendations designed to enhance overall returns.
1. Fundamental Analysis
We employ fundamental analysis to determine our economic and inflation outlook.
2. Interest Rate Forecast
The level of interest rates, the shape of the yield curve, and targeted sector spreads are evaluated and forecasted on an ongoing basis.
3. Policy Compliance
Prior to recommending a strategy, we assess each security to determine its appropriateness given your institutions investment objectives and policy parameters.
4. ALM Issues
We consider the interest rate and credit risk embedded in your overall balance sheet with each purchase or sale recommendation we make.
5. Security Selection
Our goal is to select securities that optimize net interest income and total return opportunity, consistent with your liquidity, interest rate risk and credit tolerance.
2. Portfolio Construction
Portfolio Construction Tailored to Your Profile
Your portfolio is tailored with a strategic mix of high-quality securities, balancing liquidity, potential gains, and long-term stability.
1. Liquidity Holdings
Highest-rated, shortest-dated fixed-income securities that provide near-term liquidity.
2. Total Return Holdings
Highest quality fixed income securities that have the potential for gains realization prior to maturity.
3. Foundation Holdings
High-quality securities are characterized by incremental yield for maturity, credit, or option risk with the likelihood of being held to maturity.
3. Portfolio Management
Portfolio Management Aligned to Your Objectives
EPG actively manages investments by setting target prices, monitoring market conditions, and aligning buy/sell decisions with your objectives, looking at:
1. Target Price
For fixed income securities, a target spread and/or price is created to benchmark what we believe to be full valuation.
2. Security Outlook
We actively monitor and assess changes in interest rates and credit ratings to capture potential changes that may impact security performance.
3. Client Objectives
We recommend buy or sell actions that integrate investment management practices with client objectives.
Our Pillars of Fixed Income Investment
EPG works with you to implement high-quality fixed-income investment recommendations designed to enhance overall returns.
1. Fundamental Analysis
We employ fundamental analysis to determine our economic and inflation outlook.
2. Interest Rate Forecast
The level of interest rates, the shape of the yield curve, and targeted sector spreads are evaluated and forecasted on an ongoing basis.
3. Policy Compliance
Prior to recommending a strategy, we assess each security to determine its appropriateness given your institutions investment objectives and policy parameters.
4. ALM Issues
We consider the interest rate and credit risk embedded in your overall balance sheet with each purchase or sale recommendation we make.
5. Security Selection
Our goal is to select securities that optimize net interest income and total return opportunity, consistent with your liquidity, interest rate risk and credit tolerance.
Portfolio Construction Tailored to Your Profile
Your portfolio is tailored with a strategic mix of high-quality securities, balancing liquidity, potential gains, and long-term stability.
1. Liquidity Holdings
Highest-rated, shortest-dated fixed-income securities that provide near-term liquidity.
2. Total Return Holdings
Highest quality fixed income securities that have the potential for gains realization prior to maturity.
3. Foundation Holdings
High-quality securities are characterized by incremental yield for maturity, credit, or option risk with the likelihood of being held to maturity.
Portfolio Management Aligned to Your Objectives
EPG actively manages investments by setting target prices, monitoring market conditions, and aligning buy/sell decisions with your objectives, looking at:
1. Target Price
For fixed income securities, a target spread and/or price is created to benchmark what we believe to be full valuation.
2. Security Outlook
We actively monitor and assess changes in interest rates and credit ratings to capture potential changes that may impact security performance.
3. Client Objectives
We recommend buy or sell actions that integrate investment management practices with client objectives.
"The community bank fixed income portfolio needs to support a variety of balance sheet management goals to best address each bank’s unique risk and return profile."
Scott Miller
Senior Vice President, Fixed Income Portfolio Manager
Incorporating Comprehensive Goals
In Portfolio Management
Preview Our Asset Liability Services
Enter your information to preview a sample report showcasing the insights and support we offer community-based financial institutions.
Preview Our Asset Liability Services
Enter your information to preview a sample report showcasing the insights and support we offer community-based financial institutions.