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Hughes Management Asset Allocation

 

Welcome to the Small Bank Newsletter

The small bank newsletter is the best, most up-to-date advice on investing in community and regional bank stocks.

Subscribers find the financial advice of Douglas Hughes to be perceptive, but more importantly profitable. A money manager with over 10 years of investing in smaller bank and midsize regional bank stocks, he has accumulated over $100 million in managed assets. His expertise as a financial advisor is very much in demand. As an authority on small community and regional banks he has been quoted by several financial publications, including the L.A. Times, NY Times, SNL Digest and Barrons. We are not concerned with what the investor's worth would be in, say a year or two, but of the wrenching rides the investor may have during that period!




A case for owning
 community bank stocks

The period from 12/31/00 to 8/15/2002:
The S&P 500 lost 29.7%
The NASDAQ lost 44.9% 

Did you know:

The NASDAQ Bank Index was up 22.4%
The DeNovo group (new banks) were up 56.5%

Top 4 market letters based on batting average (% right) performance from 5/16/2002 to 4/16/2004
Market Letter
Total No. of Rec's
No. Right
No. Wrong
% Right
Portfolio Gain

Annualized Gain

Small Bank Newsletter
62
57
5
91.94%
23.09%
37.18%
Modern Portfolio Letter
102
91
11
89.22%
32.59%
45.14%
Global Investing
24
21
3
87.5%
30.42%
47.14%
TWST Special Stock Report
16
14
2
87.5%
89.94%
105.93%


U.S Diversified Stock Funds
Total Returns through 2/08/05, ranked by one month

Fund
Category

1 month 3 mos. YTD 1 year 3-yrs* 5-yrs*
Mid-cap value 3.25% 4.16% 0.61% 13.98% 12.82% 14.45%
Small-cap value 2.78 2.66 -0.27 14.89 15.03 16.86
Mid-cap growth 1.86 3.28 -0.97 7.24 5.89 -7.12

Large-cap core

1.79 2.74 -0.60 4.32 2.51 -2.57
Small-cap growth 1.72 1.78 -2.19 4.28 6.75 -5.50
Multi-cap growth 1.26 1.17 -2.46 4.69 4.23 -9.65
Large-cap growth 0.51 0.79 -2.87 1.72 0.71 -9.00
U.S. diversified funds 2 .01 2.68 -0.71 7.19 6.07 -0.11
*average annual return

 


Douglas Hughes manages money for individual investors. He specializes in community and regional bank stocks and he continues to out-perform all his peers.
Remember to manage your risk ! This is one of the most important factors in investing.


 
 

New Tax Laws are in!
Many Bank Dividends are taxed at 15% now!

Did you know $100.00 invested in 1983 in dividend paying stocks returned $2,875.00 today
vs only $683.00 for non-dividend paying stocks.
Wow!
Invest in banks that pay dividends now!


Douglas Hughes is featured in

Digest.Com!

See Small Bank Newsletter in the News


" . . . the money spent on the small bank newsletter is the best money that I have spent in a long-time.
I have owned regional bank stocks but lacked the skills to find good stocks like you do. With the high prices your job must be difficult. In any case thanks for the great advice. "

Out of over 500 investment newsletters, the SBN was ranked #1 over the last 2 years in the banking sector and #1 overall in performance as rated by SEI !!
 
BUY VALUE & HOLD IT
 

The Small Bank Newsletter is now the top performing market newsletter in both Batting average performance and portfolio gain performance as rated by SEI. We were right 89.87% of the time!


Small Banks are prime takeover targets, pay strong cash dividends, have low downside risk and are simply great businesses that make money.

7 Questions That Must Be Asked Before You Invest In Any Small Bank:

1. Asset quailty -make sure it's the best.
2. Franchise value - what is this worth?
3. Make sure the bank hasn't overpaid for a
merger in the past few years.
4. Look for hidden assets not reflected in their book value.
5. Make sure the bank is growing by at least 15% every year.
6. Make sure management is smart and shareholder friendly.
7. Make sure loan loss reserve is adequate.



Congratulations!
We're pleased to announce that in the third quarter 2001 edition of World's Best Money Managers and year end results Hughes was #1 again. Hughes Investment Management was a top performing money manager within their respective peer group, based on over 4,500 investment firms of funds and separate account composites.
- Nelson Information.com < /font>






RELATED MATERIAL

Books to make you Rich this Year

Current Thoughts for 2005

See Bank newsletter featured on Barrons.com


Many Small Banks have been members for years


What is a logical investment for me?

Present holdings, personal income and future plans all affect logical choice.

When you invest through Hughes Investments you have the benefits of our broad experience.

We thoughtfully analyze your situation before making recommendations.


Wanted: Thinly traded bank stocks!

We will pay a fair price for your thinly traded bank stock. Don't take that low bid being offered by a market maker. Sell it to us for a fair price. Call Douglas Hughes at 1-888-814-7575.


S ee what the latest Wall Street hot shots are saying everyday. Dan Dorfman, Elaine Garzarelli, and Douglas Hughes are just a few featured commentators www.jagnotes.com

As always, you may call me with any questions on any stock. This is a free service to our subscribers.

To contact Douglas Hughes via email - dhughes33@charter.net

Personal Account Management: Bank Stock Portfolios.1.25%-1.75% FEE. $500,000 Minimum. Douglas Hughes Hughes Investment Management, A Registered Investment Adviser 1-888-814-7575.

The Small Bank Newsletter is published 12 times a year. (To Subscribe: 1-888-814-7575).

Douglas Hughes -- Small Bank Newsletter, Hughes Investment Management , can and does take positions, in stocks it recommends.All material Copyright© 1995-2005 by Douglas Hughes. Reproduction of this publication in whole or in part is strictly forbidden.
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