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Howard Capital Management, Inc.

About Our Company

An SEC Registered Investment Advisory Firm

Howard Capital Management, Inc. (Howard CM), an SEC - Registered Investment Advisory firm, provides money management services for private clients, brokers, broker dealers, and hedge funds.

The Vision

The vision for Howard CM originated during the 1987 stock market crash. With the opinion that incurring financially devastating losses due to market volatility is unnecessary, we initiated a plan to create a company with the main objective to protect capital during market downturns.

A Systematic Method of Investing

After years of research, we developed a disciplined, systematic, and non-emotional method of investing that is designed to protect our clients' assets during market declines. Because of our belief in the power and strength of this trading system, we call it Spartacus. In 2000-2002 as the market dropped, we reduced our clients' exposure to stocks through our systematic method. In 2008, our proprietary intermediate term indicator, the HCM-BuyLine® gave us the signal to exit the stock market. Consequently, we moved to the safety of the sidelines during much of the decline.

Professional Money Management since 1999

Offering professional money management since 1999, we believe Howard CM has developed into an experienced money management firm with a proven track record. As we continue to grow, we look forward to using our systematic approach to assist you with your investment goals.

HCM-BuyLine®

Help Protect Your Assets with the HCM-BuyLine®

We spent years developing our proprietary HCM-BuyLine®, and we take much pride in its ability to help us conduct our business. We are excited about this achievement and wish to share it with you. We believe it is the extra bonus that pushes us above our competition.

HCM-BuyLine®It is painful to watch the value of your portfolio drop, and it is little comfort if the market in general is declining. In response, we developed the HCM-BuyLine®. Howard Capital Management's investment strategies are designed to protect capital in market downturns while seeking to outperform the major indices during market upswings. The HCM-BuyLine® tells us when and how much to invest in equities.

Its design is technical, but its interpretation is straightforward. Simply put, it gives us an objective indicator of the intermediate-term trend of the market. If the bulls are in control, our strategy is to invest capital in equities in order to take advantage of the gains a bull market can possibly bring. However, if the bears are in control, we typically move our clients' capital to the safety of money markets or short-term bonds.

The History

Vance Howard, founder and CEO of Howard Capital Management, Inc., started investing in the early 1980s while in college. In 1987, he learned just how painful a bear market could be with the stock market crash in October of that year. After suffering a 70% drop in a modest investment account, he undertook a journey to discover how the markets work and how to apply that knowledge.

Vance HowardOne of his biggest discoveries occurred as a result of an introduction to a trader named Wayne Rainwater in the early 1990s. Mr. Rainwater had developed a method of calculating the strength of the market based on the ratio of new highs to new lows on the New York, NASDAQ and American stock exchanges. He was an experienced breakout trader and even today in his mid-eighties still trades. He shared his method with Vance.

Since then, Vance has developed this method into a quantifiable indicator that he believes is a very accurate intermediate term indicator.

Vance initially ran the calculations in the early 1990s every day after the market closed on a yellow pad, but then moved to a spreadsheet as the technology evolved. Now, the ratios are run on a 10, 20, 30, 90, 180 and 365-day basis, which he believes produces a clear picture of the strength or lack thereof in the overall market.

According to Vance, "If there is 1 new high and 30 new lows, you cannot be in a bull market. Conversely, you must be in a bull market if there are 30 new highs compared to 1 new low. This approach helps take the guesswork out of our investment decisions as we strive to stay on the right side of the market."

401(k) Optimizer
Active Management Guidance for your 401(k)

Is It for Me?

The HCM 401(k) Optimizer® is for working individuals who need assistance choosing and allocating their 401(k), 403(b) or similar company sponsored retirement plan.

Choose a Proactive Approach

Working with many individuals over the years, we have learned that many individuals expose themselves to financial risk by not taking proactive measures with their company sponsored retirement plans. Our goal is to help you create a plan to help you strive to optimize your returns and protect your capital gains.

Financial Well Being as the Goal

An actively managed account, we believe, is a great way to improve results and protect assets. Our approach is to apply our proprietary indicator, the HCM-BuyLine®, which is designed to keep our clients on the right side of the market.

Strive to Protect Your Assets

One great feature of the HCM 401(k)Optimizer® is access to the HCM-BuyLine®. When the market drops below the HCM-BuyLine®, you will receive notification with advice on how to restructure your portfolio in an attempt to protect your assets. When the market moves above the HCM-BuyLine®, you will once again receive advice about what to do next.



 
 
 IMPORTANT DISCLOSURES

HCM University provides a select collection of educational resources intended to provide 401K Optimizer subscribers with the information they need to help them in making informed financial decisions. HCM University is not an accredited institution of higher learning.

The HCM 401(k) Optimizer is offered through Howard Capital Management, an SEC-registered investment adviser which only does business where it is properly registered or is otherwise exempt from registration. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. The firm may make investment decisions that are inconsistent with the information provided herein.

 


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