Steuben Trust Company - SAM Approach

Our Approach

Our top-down approach to stock investing first looks at trends in the general economy.

Next we identify favored industries and the particular companies within those industries that should benefit from those trends. With this information, we determine the top companies in each industry in terms of financial strength, earnings, and valuation.

Stocks are purchased according to your specific investment objectives: income, capital gains, and emerging growth. Blending these types of equities is often an effective way to achieve results.

Fixed income accounts are designed to provide a dependable income stream using top quality bonds in optimum maturities on the yield curve.

Combining stocks and bonds in a balanced account services many clients' goals.

It is a well-respected fact that asset allocation is the most important decision when structuring portfolios. Appropriately blending cash (money market instruments) with fixed income (bonds) and equities (stocks) can minimize the effects of volatility and protect against uncertainty while adding value to clients' assets.

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Investments are not insured by FDIC and are not
deposits or guaranteed by the bank and are
subject to investment risk including loss of principle.




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