Bay Capital Programs

Bay Capital, Registered Investment Advisor is an investment firm specializing in active asset allocation for clients on a discretionary basis. 

The objective of active asset allocation is to preserve capital during periods of market declines and to participate in the appreciation of an investment portfolio during market advances.  The defensive emphasis of active asset allocation is to avoid or minimize losses and to preserve capital when markets are trending down. 

Active asset allocation involves the execution of exchanges, generally within a mutual fund family or families.  These exchanges include moving between a growth (stock) fund and a defensive money market/ short-term bond fund or a market-neutral position.  A market-neutral position achieves the same defensive goal as a money market or short-term bond fund. 

Additionally, advisor may use longer-term government and corporate bond funds that represent asset classes other than stocks and bond funds, index funds including inverse-index funds that move opposite the market, and other styles of mutual funds that represent asset classes other than stocks and bonds that can enhance overall performance and diversification. 

Programs offered by Bay Capital are listed below.  




 


Bay Capital Conservative Allocation Program:


Investment Objectives- The Bay Capital Conservative Allocation program has an investment objective of conservative growth and income, and is the most conservative program offered.


Management- The Bay Capital Conservative Allocation program may be reallocated quarterly or more often. The mutual funds selected will be either no-load or front-load funds with the load waived.


Minimum Investment- $25,000. Upon consultation with the client, the advisor may modify the minimum account size.


Bay Capital Conservative Allocation Program Fee Schedule:































Account Valuation Annual Fee Quarterly Equivalent
First $1,000,000 1.0% 0.25%
$1,000,000-$2,000,000 0.8% 0.20%
$2,000,000-$3,000,0000 0.6% 0.15%
Over $3,000,000 Negotiable Negotiable


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Bay Capital Moderate Allocation Program:


Investment Vehicles- The Bay Capital Moderate Allocation program has an investment objective of moderate growth. This prorgram primarily seeks to invest in stock, bond and sector mutual funds.


Management- The Bay Capital Moderate Allocation program may be actively reallocated based on market signals. The mutual funds selected will be no-load or front-end load funds with the load waived.


Minimum Investment- $100,000. Upon consultation with the client, the advisor may modify the minimum account size.


Bay Capital Moderate Allocation Program Fee Schedule































Account Valuation Annual Fee Quarterly Equivalent
First $1,000,000 2.0% 0.50%
$1,000,000-$2,000,000 1.5% 0.375%
$2,000,000-$3,000,000 1.0% 0.25%
Over $3,000,000 Negotiable Negotiable


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Bay Capital Select Advisors Moderate Growth Program:


Investment Objectives- The Bay Capital Select Advisors Moderate Growth program has an investment objective of moderate growth. It is a multi-manager, absolute return strategy designed to maximize risk-adjusted returns in both bull and bear market cycles and to provide a low correlation to a traditional growth portfolio.


Management- With the Bay Capital Select Advisors Moderate Growth program, we select independent third-party managers to consult on market direction, i.e., buy/sell signals.


Minimum Investment- $250,000. Upon consultation with the client, the advisor may modify the minimum account size.


Bay Capital Select Advisors Moderate Growth Program Fee Schedule:































Account Valuation Annual Fee Quarterly Equivalent
First $1,000,000 2.25% 0.5625%
$1,000,000-$2,000,000 1.75% 0.4375%
$2,000,000-$3,000,0000 1.25% 0.3125%
Over $3,000,000 Negotiable Negotiable


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Bay Capital Select Advisors Growth Program:


Investment Objectives- The Bay Capital Select Advisors Growth program has an investment objective of growth. It is a multi-manager, absolute return strategy designed to maximize risk-adjusted returns in both bull and bear market cycles and to provide a low correlation to a traditional growth portfolio. This strategy is more aggressive because of the greater use of leveraged mutual funds.


Management- With the Bay Capital Select Advisors Growth program, we select independent third-party managers to consult on market direction, i.e., buy/sell signals.


Minimum Investment- $250,000. Upon consultation with the client, the advisor may modify the minimum account size.


Bay Capital Select Advisors Growth Program Fee Schedule:































Account Valuation Annual Fee Quarterly Equivalent
First $1,000,000 2.50% 0.625%
$1,000,000-$2,000,000 2.00% 0.50%
$2,000,000-$3,000,0000 1.50% 0.375%
Over $3,000,000 Negotiable Negotiable


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