Investment Philosophy

First National Bank & Trust Co., specializes in the design and effective management of asset class investment strategies for our customers.

First National Bank & Trust Co. has adopted a unique investment philosophy for our customers that sets us apart from other investment managers.

Our investment philosophy is based on asset class investing, recognizing that investment returns are determined principally by asset allocation and not by market timing or stock picking.

An essential element of our role as your investment advisor is to design a portfolio investment strategy that maximizes the likelihood of achieving your goals and objectives. This strategy will include the most appropriate combination of asset classes for your unique circumstances, risk tolerance and time horizon, and is implemented via the use of low-cost institutional asset class funds usually available only to large institutional investors.

Asset class investing is demonstrably successful and the most prudent way to invest our customers’ money. In a world where most investors are guessing which actively-managed mutual funds or independent money managers will out-perform, we believe that our consistent philosophy – backed by rigorous academic research and the best technology – is a clear advantage.

In developing our portfolio investment strategies for customers, we have partnered with Rogers Capital Management and Dimensional Fund Advisors (“DFA”).

Investments and insurance offered through the Trust Department of First National Bank & Trust Co. are not insured by the FDIC, are not deposits or other obligations of, and are not guaranteed by, any bank or any bank affiliate. Investments are subject to risks, including possible loss of principal amount invested.