PORTFOLIO MANAGEMENT

Capital Appreciation

Steady Income

  • “Core Equity Strategy”  (Growth Strategy)

    • The Cullen Investment Group Core Equity Strategy employs a deep, fundamental, research-intensive process to identify high-quality companies available at an exceptional price.

    • We focus on companies that possess what we believe to be promising attributes, including but not limited to:

      • A strong and durable competitive advantage

      • Promising sales growth

      • Strong returns on invested capital

      • Healthy financial situation

      • Management that aligns with shareholder interests.

    • Our disciplined, data-driven approach combined with this active strategy ensures we do not get swept up in the emotional winds of the markets, all while retaining the flexibility to adapt to sudden changes in macroeconomic environments.

    • This strategy has a focus on total return with primary contribution from capital appreciation.

Capital Appreciation

  • “Equity Income” (“Steady Income”)

    • The Cullen Investment Group Equity Income Strategy seeks to provide stable dividend income alongside an increase in principal through capital appreciation.

    • This strategy focuses on high-quality companies with strong fundamentals, stable earnings, and a history of dividend growth.

    • This strategy offers several advantages over a traditional fixed income portfolio, including higher returns, tax efficiency, and the added benefit of capital appreciation.

Our income strategy has several perceived benefits over traditional bond and fixed income investments: 

  1. Higher Returns can be achieved because a bond's coupon payment stays the same, but we look for companies that have continuously increased their dividend payouts over the years.

  2. Tax Efficiency can usually be achieved because Qualified Dividends are taxed at the capital gains rate, while bond payments are taxed at your personal income tax rate.

  3. Maximum Risk/Return: while bonds and fixed income tend to be considered less risky, they have their own unique risks such as credit risk, default risk, interest rate risk, prepayment risk, call risk, interest rate risk, reinvestment risk, inflation risk, rating risk, liquidity risk, and market risk just to name a few.

  4. Capital Appreciation is one of the most important differentiators  between stocks and bonds because bonds usually return just your principal amount at maturity, however, stocks have the potential to grow and appreciate in value over time while also continuing to give you steady income in the form of dividends.

Steady Income

We focus on two main strategies depending on which phase you are in in your retirement plan life cycle.  For individuals that are pre-retirement would fall into the capital appreciation portfolio strategy, while retirees would fall into the steady income portfolio strategy. Regardless of if you're seeking income or seeking growth, our portfolio management strategy seeks to maximize your returns for your own individual risk tolerance. We have risk mitigation techniques that we believe help us maximize your portfolio returns per additional unit of risk, while minimizing portfolio volatility.

Our Strategy

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We think our fee is lower and more competitive than most firms and we believe that we offer the most comprehensive suite of services given the fee we charge.

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We do not work on commission. We are always on the same side of the table as you, providing advice that is in your best interests.

What Makes Us Different

What Makes Us Different