Investment Management Solutions

PIC focuses on creating customized investment solutions for each client. Instead of offering a set choice of fixed income investment products, we work with clients to determine their specific goals, objectives, constraints and liquidity preferences. It is from these critical discussions that we develop a unique investment program. Through ongoing close communication with the client we are able to modify or adjust the investment program should the needs of the client change.

For those clients with similar objectives, we have created relevant performance composites, which may be used to set expectations for performance of invested assets. A few of our composites are:

Enhanced Cash Short – A higher-yielding alternative to money market funds with a target duration of three months. We seek to provide principal protection while enhancing return and providing daily liquidity. We manage both separate accounts and a trust vehicle - Ponder Enhanced Cash Trust (PECT) in this style. PECT's inception date is 9/30/97.

Enhanced Cash Long – This investment approach suits a client with a strategic allocation to cash that may not be needed for day-to-day operating activities. The target duration for these assets is one year. Over time, the ability to extend beyond money market maturities is expected to enhance overall returns. Offered for separately managed accounts only.

1 to 3-Year – An intermediate fixed income management approach with target duration of approximately 1.75 years. Suitable for assets that are not part of the liquidity reserves but that may not be perpetual in nature. Offered for separately managed accounts only.

Core – An intermediate to long-term fixed income approach suitable for debt service reserves, pensions, foundations or other "permanent" assets. This investment style should have the highest returns for those with a long-term horizon. The duration of these assets is approximately 3.50 years. Offered for separately managed accounts only.

Please contact Ken Downey at 615-613-0213 or for performance results and important disclosures.

Ponder Investment Co. is registered under The Investment Advisors Act of 1940, with offices in Chicago and Nashville.