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Equity

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Stocks are the cornerstone of NBT Financial Group's investment approach. We view equities as the preferred asset to grow principal, preserve purchasing power and increase income streams. History has demonstrated the powerful effect of prudent equity investing on portfolios. The types of stocks we buy are top quality, liquid and publicly traded. Managing risk is of primary importance in this area. As a result, diversification underlies each client portfolio. For example, we:

  • Limit exposure to any one company but maintain disciplined exposure to all major industry sectors of the Standard & Poor’s 500 index.
  • Recommend investing in smaller-capitalization stocks (for many portfolios)
  • Suggest international exposure where appropriate (typically, 10% to 15% of a portfolio)

NBT utilizes both a top-down and bottom-up investment approach. Our emphasis is on top-down research, identifying attractive asset classes and industrial sectors based on our themes. For many accounts we look to maximize total return, capital appreciation as well as income (dividends).

Our bottom-up individual company research is concentrated on large capitalization companies as found in the Dow Jones Industrial, S&P 500, large cap ADRs and the S&P 400. We avail ourselves of extensive economic, investment and analytical research from a wide variety of sources. The Investment Policy Committee approves all stocks added to the Focus List.

Talk to your NBT Financial Group representative today to book an appointment.