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Investment Management

World Class Investment Management from your Hometown Bank!

Charlotte State Bank & Trust's Trust and Investment Management Services Team includes professionals with trust, asset management and investment backgrounds who will design a portfolio and manage your assets to meet your unique needs. Clients will appreciate the high quality, personal service and custom-tailored investment strategies provided by a team of experienced professionals.

Clients benefit from fully discretionary, separately managed portfolios for Individual Investment Management Accounts, Trust Accounts, Individual Retirement Accounts and Foundation Accounts.

All portfolios are designed utilizing a disciplined, open-architecture approach to asset management, combining client risk parameters, time horizons, and tax situations to determine optimum asset allocation.

Through dynamic monitoring, all portfolios are tracked against an agreed upon strategy and investments relative to the market.

Our pledge is to take the time to determine an investment strategy that includes the use of diversified investment management styles such as Small-Cap, Mid-Cap and International stocks.

We determine the security selection process through the use of dividend-paying stocks and growth stocks in the portfolio. We quantitatively screen over 20,000 companies to create a list of stocks. Then we qualitatively analyze these to purchase 20-40 representing most industry sectors.

Through these Separately Managed Accounts we are able to control capital gains and losses and look to efficiently maximize long-term gains for more favorable tax rates than short-term gains.

For fixed-income investments we focus on high-quality, investment-grade and intermediate-term bonds. We pay particular attention to the impact of duration and average-weighted maturity to help control interest rate risk.

You will receive monthly statements and have secure on-line access to view accounts on the Internet.

Our overall performance is "outcome-based" and measured against your unique goals and expectations.

If you have questions about our Investment Management services, please don't hesitate to contact Christine Hause at (941) 624-1917 or toll free at (888) 624-5454. Or if you prefer, email her at chause@csbtfl.com. Please include your contact information and the time you prefer to be contacted.

 

Investments are not a deposit or other obligation of, or guaranteed by, the bank, are not FDIC insured, not insured by any federal government agency, and are subject to investment risks, including possible loss of principal.