Investment Strategies

Investment Strategies

Our firm’s team of leading thinkers on interest rate movement, monetary policy and capital markets conduct independent research and structure our various investment strategies. These strategies are based upon the core tenets of our investment philosophy.

Cumberland’s portfolio managers work as a team to develop the broad investment strategies that underlie all accounts in our care. However, each client works primarily with one advisor, enabling our relationship to be more personal and the portfolios to be customized to address individual requirements. Since appropriate and realistic investment goals must be defined before management begins, we first work with clients to develop portfolio objectives that reflect each client’s financial needs and tolerance for risk.

We seek to offset the erosion of financial assets by inflation and to realize appreciation so that the real value of assets is maintained. Under a conservative umbrella, we construct portfolios of bonds or stocks or a mix of both. Below is a sampling of current strategies.

If you want to know more and to see if Cumberland Advisors is right for you or your clients, please get in touch.

Fixed-Income

We have been actively managing bond portfolios since the 1970s. We are known for implementing a total return approach, actively managing duration, and focusing on high credit quality. We provide customizable capabilities, including the option of state-specific concentrations.

Total Return Gov/Credit

Actively managed high-quality taxable bond account with a total return objective that seeks to provide income and preserve the client’s principal over multiple interest rate cycles.

Total Return Municipal

Actively managed high-quality municipal bond account with a total return objective that seeks to provide income and preserve the client’s principal over multiple interest rate cycles.

Maturity-Restricted Tax-Free Municipal Bond

Actively managed, high quality municipal bond account, with maturity and duration restrictions, managed with a total return objective that seeks to provide income and preserve the client’s principal over multiple interest rate cycles.

Balanced

Our balanced strategies combine our actively managed fixed-income and equity strategies.

We also offer a balanced strategy that combines active bond management with a passive equity allocation. The allocation between bonds and equities is based on a flexible allocation percentage determined by market conditions.

U.S. Balanced Gov/Credit

A flexible balanced strategy that combines actively managed, high-quality taxable bonds managed for total return with an actively managed, diversified domestic equity-model portfolio of U.S. ETFs.

Active Gov/Credit Passive Equity

A balanced strategy that combines actively managed, high-quality taxable bonds managed for total return with efficient exposure to U.S. domestic markets using two broad-based ETFs that are rebalanced to achieve a consistent allocation.

Equity

A pioneer in the creation of ETF portfolio models since 1999, Cumberland Advisors actively manages domestic and international equity portfolios using ETFs. 

U.S. Equity ETF

A diversified domestic equity model portfolio of broad-based U.S. ETFs, which may also include specific sector and industry ETF exposure. 

Global Equity ETF

A diversified global equity model portfolio using U.S. and international broad-based ETFs, which may also include specific sector, industry, and country exposure.

Tactical Trend

A global tactical asset allocation strategy with the flexibility to respond to strengths and weaknesses in different asset classes.

Learn more about past performance

 

Once objectives are established,
the test of their fulfillment is time.