Separately Managed Accounts
Looking for a more tailored approach to money management? Guardian Investment Management separately
managed accounts represent a cost-effective opportunity that enables you to benefit from many services that
institutional investors demand.
A separately managed account is a professionally managed portfolio of securities owned directly by you with a
single, all-inclusive fee based on the amount of assets. Although separate accounts are not appropriate for
every investor, they feature a number of benefits:
Separately Managed Equity Income Portfolios
Separately Managed Fixed Income Portfolios
Rollover your IRA: A Guardian Investment managed investment account is an excellent low cost alternative to
costly 403B plans and other retirement plans. Upon retirement or separation your existing retirement account
can be easily transferred tax free to a rollover IRA.
Separately Managed Accounts vs. Mutual Funds
A Guardian Investment Management separately managed account:
Looking for a more tailored approach to money management? Guardian Investment Management separately
managed accounts represent a cost-effective opportunity that enables you to benefit from many services that
institutional investors demand.
A separately managed account is a professionally managed portfolio of securities owned directly by you with a
single, all-inclusive fee based on the amount of assets. Although separate accounts are not appropriate for
every investor, they feature a number of benefits:
Separately Managed Equity Income Portfolios
- Separately managed accounts are tax efficient because they allow control over when to take capital
gains or losses from selling - The capital gains tax on qualified dividends is more favorable than the short or long term capital gains
tax - Dividend reinvestment is available
- Dividend distributions can be used to pay expenses
- Cash from the investments is returned to shareholders rather than used to buy back stock
- Style consistency: You can be certain that your assets will be managed in strict accordance with the
portfolio's stated strategy, without the risk that comes from "style drift" - Active portfolio management: Your portfolio is constantly monitored and securities are traded in a
manner that seeks to take advantage of developing opportunities and avoid undue risk
Separately Managed Fixed Income Portfolios
- Separately managed accounts are tax efficient because they allow control over when to take capital
gains or losses from selling - Separately managed bond funds can hold bonds until maturity, which enables the investor to receive full
principal repayments at that time - Interest payments from bond holdings can be used to pay expenses
- When bonds are held to maturity they offer a significant capital preservation advantage over stock funds
or bond funds - Portfolios can be structured with municipal bonds that are tax free at both the federal and state levels
Rollover your IRA: A Guardian Investment managed investment account is an excellent low cost alternative to
costly 403B plans and other retirement plans. Upon retirement or separation your existing retirement account
can be easily transferred tax free to a rollover IRA.
Separately Managed Accounts vs. Mutual Funds
A Guardian Investment Management separately managed account:
- Is an investment account that is professionally managed according to a strategy you choose. Unlike
mutual funds (which are pooled investments), assets invested in Separately Managed Accounts are not
commingled with those of other investors. - Seeks to combine the benefits of professional money management with the flexibility, control and
potential tax advantages of owning individual securities. - Can be particularly appropriate for investors with significant assets who have long-term financial goals
and special tax considerations. - Charges a convenient all-inclusive management fee — calculated as a percentage of assets under
management — and charged to your account each quarter.
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