M&T Bank : Investment Advisory Process
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Investment Advisory Process

At M&T, we focus on balancing risk and reward when managing your investments. Whether you have a relatively small amount of investable assets or you have achieved a high net worth, we begin by defining an appropriate asset allocation strategy based on your goals, objectives, risk tolerance, and time horizon. Given these considerations, we construct investment strategies designed to generate returns that align with your definition of risk and your goals and objectives.

Why is asset allocation important?
Asset allocation is based on the widely accepted premise that the type or class of investments owned is more important than market timing and individual stock or mutual fund selection. Asset classes such as stocks, bonds, and cash equivalents generally react differently to changes in the financial markets and to broader economic conditions. While diversification does not guarantee against a loss, you may offset losses in one asset class with potential gains in another by allocating assets across various asset classes.

What is M&T's investment advisory process?
Our process is anchored by a disciplined approach to asset allocation using both strategic and tactical asset allocation.

Our process is built on four key elements:

  • A forward-looking asset allocation approach
  • Maintaining a global perspective
  • A commitment to an open architecture philosophy
  • A rigorous and defined manager selection and monitoring process

Our insight into the cyclical movements of asset classes, and informed judgment regarding the future, enables us to develop an asset mix that is designed to provide competitive returns for a given level of risk.

How can I get started?
Depending on your needs and your asset levels, we offer two ways to access our investment advisory process:

  • Portfolio Architect — offered through an M&T Securities, Inc. financial consultant, located at your local M&T Bank branch
  • Investment Management Accounts — offered through wealth advisors and investment officers through Wilmington Trust's Wealth Advisory Services division

Portfolio Architect
Portfolio Architect is a long-term investment solution that consists of eight asset allocation strategies constructed to reflect different risk tolerances. We manage the investment vehicles within each strategy and adjust the strategies' asset allocations periodically based on our view of the markets. An M&T Securities, Inc. financial consultant will help you define your investment goals, and assist you in selecting a Portfolio Architect strategy. We rebalance your account quarterly to realign it with the allocations of your chosen strategy.

Learn more about Portfolio Architect
Ask an M&T Securities, Inc. financial consultant at your local M&T Bank branch or call Client Solutions at 1-800-724-9949.

Investment Management Accounts: For Clients with Substantial Assets
Our wealth advisors and investment officers are experienced in developing customized investment strategies to help you achieve your goals. Your dedicated investment manager will take a consultative approach to fully understand of your needs and objectives.

We consult with you to create a comprehensive Statement of Investment Guidelines aligned to specific risk tolerance, return expectations, tax considerations, liquidity requirements, time horizon, and other unique circumstances. These guidelines outline specific portfolio requirements including asset allocation, both strategic and tactical, security selection, portfolio rebalancing, and performance reporting.

Contact Us
Learn more about Wilmington Trust's investment management accounts. Call 1-800-878-0668 today to begin a conversation about investment strategies suited for you.

Investment and Insurance Products: • Are NOT Deposits • Are NOT FDIC-Insured • Are NOT Insured
By Any Federal Government Agency • Have NO Bank Guarantee • May Go Down In Value

Investing involves risk and you may incur a profit or a loss. Asset allocation does not ensure a profit or guarantee against loss.
M&T Bank’s emphasis on qualitative factors in the manager selection process is likely to result in investment vehicles managed by investment management affiliates of M&T Bank (“Affiliated Funds”) being included in Portfolio Architect Strategies. Such affiliates will receive fund-level fees as compensation for services to the Affiliated Funds and are not subject to the discount.
Portfolio Architect is an investment management account managed by M&T Bank and offered through M&T Securities, Inc. You must meet with an M&T Securities Financial Consultant, complete an investor profile, select a Portfolio Architect strategy, and execute a Portfolio Architect investment management agreement in order to open a Portfolio Architect account.
Brokerage services and insurance products are offered by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank. M&T Securities, Inc. is licensed as an insurance agent and acts as agent for insurers. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states.
Wilmington Trust is a registered service mark of Wilmington Trust Corporation, a wholly owned subsidiary of M&T Bank Corporation. Wilmington Trust Investment Advisors, Inc., a subsidiary of M&T Bank, is a SEC-registered investment advisor providing investment management services to Wilmington Funds as well as to Wilmington Trust and M&T affiliates and clients. Wilmington Funds are entities separate and apart from Wilmington Trust, M&T Bank, and M&T Securities.
Investment products are not insured by the FDIC or any other governmental agency, are not deposits of or other obligations of or guaranteed by M&T, Wilmington Trust or any other bank or entity, and are subject to risks, including a possible loss of the principal amount invested.

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