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Stay Tactical. Not Traditional.

When markets turn, discipline matters. Explore our tactically managed funds aiming to deliver long-term capital appreciation with mathematical downside mitigation through our proprietary trend indicator, the HCM-BuyLine®.

Download Guide
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Take Your Next Steps Towards Tactically Managing Risk

Read our proprietary risk management technology by downloading our HCM-BuyLine® Guide.

Behind the HCM-BuyLine®
Developed by Vance Howard after the devastating financial losses of Black Monday in 1987, it is designed to identify micro trends in global markets to determine appropriate portfolio positioning.
For decades, the HCM-BuyLine® has demonstrated the ability to capture long-term risk-adjusted returns through full market cycles.
Designed to Defend.
Applied across our entire fund family, the HCM-BuyLine® continuously monitors markets, detects imbalances, and signals when to shift exposure—helping investors capture opportunity while mitigating downside risk. Learn how the HCM-BuyLine® works in volatile markets.
Download Free Guide
Positive Signal

Fully Invested

Caution Signals

Reduced Equity Exposure

Negative Signals

Further Reduce Equity Exposure

Positive Signal

Fully Invested

Caution Signals

Reduced Equity Exposure

Negative Signals

Further Reduce Equity Exposure

Positive Signal

Fully Invested

Caution Signals

Reduced Equity Exposure

Negative Signals

Further Reduce Equity Exposure

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Our approach to funds is rooted in years of mathematical research, tactically managed with the purpose of driving returns through unbiased, non-emotional investments. Mix in our team, and that is what makes HCM funds different.
Vance Howard
CEO & Portfolio Manager
Firm Overview
Download Guide to Proprietary Trend Indicator

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Investors should carefully consider the investment objectives, risks, charges and expenses of the HCM Funds. This and other important information about the Funds are contained in the Prospectus, which can be obtained at www.howardcmfunds.com or by calling (770) 642-4902 or 855-969-8464. The Prospectus should be read carefully before investing.

 

The Funds’ portfolio holdings as of the end of each calendar month are posted on the Funds’ website no later than thirty days after the end of each month. This posted information generally remains accessible until the Funds post the information for the next calendar month to the Funds’ website. The Funds may choose to post their portfolio holdings on a more frequent basis, especially during periods of high market volatility. These off-cycle disclosures will be replaced with the normal monthly release when available.

 

Investments in Mutual Funds involve risk including the possible loss of principal. There is no assurance that the Fund’s will achieve their investment objectives. The advisor’s investment model carries a risk that the mathematical model used might be based on one or more incorrect assumptions. No assurance can be given that the Fund will be successful under all or any market conditions. Inverse mutual funds and ETFs (sometimes referred to as “short funds”) seek to move in the opposite direction of a specified index or benchmark on a daily basis. Leveraged funds seek to provide returns that are a multiple of the direction of a specified index or benchmark on a daily basis (i.e., 2x or 3x the reference index). Some inverse funds employ leverage as a means of attempting to achieve a return that is a multiple of the opposite direction of the reference index or benchmark (i.e., -2x or -3x index performance). These funds may make use of derivatives, such as futures, options, and swaps, which may expose the fund’s investors to additional risks that they would not be subject to if they invested directly in the securities underlying those derivatives.  Inverse and leveraged funds are not suitable for all investors. Because these funds seek to track the performance of their benchmark on a daily basis, mathematical compounding, especially with respect to those funds that use leverage as part of their investment strategy, may prevent a fund from correlating with the monthly, quarterly, annual or other period performance of its benchmark. Due to the compounding of daily returns, fund returns over periods other than one day will likely differ in amount and possibly direction from the benchmark return for the same period. For funds that consistently apply leverage, the value of the fund’s shares will tend to increase or decrease more than the value of any increase or decrease in its benchmark index. The leveraged and inverse funds that may be used generally rebalance their portfolios on a daily basis, increasing exposure in response to that day’s gains or reducing exposure in response to that day’s losses. Daily rebalancing will impair a fund’s performance if the benchmark experiences volatility and can result in higher fund expenses and fees than other funds. In addition, the use of derivatives in an inverse or leveraged fund can result in less favorable tax treatment of fund returns than funds investing in traditional equity or fixed income securities. Investors should monitor their leveraged fund holdings consistent with their strategies, as frequently as daily. Inverse and leveraged funds are considered speculative investments and should only be used by investors who fully understand the risks and are willing and able to absorb potentially significant losses.

 

The HCM-BuyLine® is a tactical proprietary indicator used to assist in determining when and how much to invest in equities. The HCM-BuyLine® is not an automated trading program, and not all HCM-BuyLine® signals will result in securities transactions. When the HCM-BuyLine® indicates a bull market, the firm identifies the particular mutual funds, ETFs, or individual securities that it believes have the best return potential in the current market from the universe of assets available in each given program and increases investment exposure to them. When the HCM-BuyLine® indicates a bear market, the firm moves clients’ investments to less risky alternatives, which may include cash, cash equivalents, and short-term bonds. However, not every HCM-BuyLine® buy signal will result in full investment exposure to equities, nor will every HCM-BuyLine® sell signal result in full withdrawal from equity exposure. Not every HCM-BuyLine® buy or sell signal will result in a profitable trade. There will be times when following the indicator results in a loss. Each investment strategy we provide uses independent HCM-BuyLine® parameters, meaning the HCM-BuyLine® may produce different signals for different strategies at different times.

 

Except where agreed, we retain all discretionary decision-making with respect to securities transactions resulting from HCM-BuyLine® signals. As a result, transactions resulting from HCM-BuyLine® signals may not occur on the same day the signal(s) is produced. In addition, certain products, custodians and portfolios may have a delay in execution, which could cause actual transaction dates to differ from the dates when HCM-BuyLine® produced signals. In some instances, this could result in securities transactions (or lack of transactions) which result in less favorable overall performance than if the HCM-BuyLine® system had automatically initiated such transactions (or had refrained from such transactions). Use of HCM-BuyLine® does not guarantee outperformance of any strategies not employing such program and does not insulate an investor from the risk of loss.

 

There can be no guarantee that the HCM-BuyLine® indicator will perform as anticipated. The HCM-BuyLine® is not a stoploss order that automatically sells securities in the portfolio at a certain price. As a result, it will not necessarily limit your losses to the desired amounts due to the limitations of the HCM-BuyLine®, market conditions, and delays in executing orders.

 

HCM Funds are distributed by Northern Lights Distributors, LLC, member FINRA ⁄ SIPC. Northern Lights Distributors, LLC and Howard Capital Management, Inc. are not affiliated.

 

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