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Fixed Income Philosophy

We buy high quality bonds at attractive risk-spreads to create portfolios that take intelligent risks and demand proper compensation for risks undertaken.

Buy Discipline
Sell Discipline

I. We Buy Quality:

We purchase high quality investment grade securities that are backed by healthy assets and sustainable cash flows.

I. Relative Value Achieved:

We sell if the relative value of the investment has been fully captured and the price is no longer supported by fundamentals.

II. Price Paid Is Important:

We seek securities with an attractive total return profile. Bond prices and yields are evaluated relative to history and peers.

II. Thesis Changes:

We sell bonds if market dynamics introduce investment opportunities that improve the overall portfolio strategy.

III. Risk Conscious:

We invest in bonds with transparent and conventional security structures. All risks are analyzed carefully including credit, interest rate, liquidity, and sovereign risks.

III. New Risks Emerge:

We closely monitor risks and sell bonds if the credit profile of a bond begins to deteriorate or if other unacceptable risks emerge.

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Trust.

Our company was founded on it.

We are Community Trust and Investment Company, an integral part of Community Trust Bancorp, Inc. Over the years, our progressive strategy and meticulous methods have resulted in dynamic performance for our clients.

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