The following information may be provided by PNC Wealth Management affiliates, including PNC Bank®, PNC Private Bank® or PNC Institutional Asset Management®:
Capital Directions®
Offered by PNC Wealth Management.
Capital Directions is a unified managed account program designed for clients who prefer to consolidate and manage investments in an efficient, single account structure.
Key Features
Overview
- Minimum account size: $50,000
- Comprehensive investment program may include a combination of separately managed accounts, mutual funds and ETFs
- Allows you to simplify your portfolio by consolidating investments in an efficient, single-account structure
- Program provides for a diversified asset allocation
- Leverage a professionally screened list of investment managers and funds
- Periodic portfolio rebalancing
- Consolidated reporting for added convenience and efficiency, including: one monthly statement, one comprehensive performance report (quarterly) and one consolidated year-end tax summary
- Tax management opportunities
Additional Information
Investment Due Diligence
The due diligence process begins with a preliminary screening of industry databases to identify manager candidates and funds, subject to both quantitative and qualitative review. This review is conducted by PNC Bank's Wealth Management Advisor Research team before being approved by PNC Wealth Management's Investment Due Diligence Committee. The due diligence process continues with regular reviews of managers and investments available on our platform, such as performance monitoring against specific benchmarks, and an assessment of investment style consistency.
More Information
For detailed information, including fees, pricing, and minimums, regarding Capital Directions, a discretionary wrap program sponsored by PNCWM, please review the program's Form ADV Part 2A Disclosure Document.
Related Resources
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How PNC Wealth Management Does Business
Learn how PNC Wealth Management does business, including our qualifications, business practices, fee schedules, and options for how you can work with us by reviewing our Client Relationship Summary, Overview of Products and Services and more. View Details
Affiliates of PNC Wealth Management receive compensation from some mutual funds used in Capital Directions for providing investment advisory and other services. Mutual fund shares are not deposits or obligations of, or guaranteed or endorsed by, any bank, and are not federally insured by the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board or any other agency. An investment in mutual fund shares involves certain risks, including the possible loss of principal. There can be no assurance that a fund’s investment objective will be achieved.
Risk Considerations
Investments in money market funds, like other mutual funds, are neither insured nor guaranteed by the U.S. Government, and there can be no assurance that a money market mutual fund will be able to maintain a net asset value of $1.00 per share.
International investing involves certain risks, such as currency fluctuations, economic and political instability, and potential foreign taxation. These risks may be magnified in emerging markets.
Asset allocation and diversification strategies do not assure a profit or guarantee against loss.
Investors should carefully consider the investment objectives, risks, charges, and expenses of mutual funds before investing. This and other important information is contained in each fund’s prospectus, which can be obtained from a financial professional and should be read carefully before investing.
Alternative investing is subject to greater risk and may not be suitable for all investors.
Fixed income investing is subject to interest rate and credit risk.
This material is meant to educate and not to provide legal, tax, accounting or investment advice. PNC Wealth Management and its affiliates and vendors do not provide legal, tax or accounting advice.
Capital Directions is a registered trademark of The PNC Financial Services Group, Inc. and is a proprietary product of PNC Bank, National Association.
Important Investor Information: Brokerage and insurance products are:
• NOT FDIC INSURED
• NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
• NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, PNC BANK, N.A. OR ANY OF ITS AFFILIATES
• SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED
Securities products and brokerage services as well as managed account advisory services are offered by PNC Wealth Management LLC, a registered broker-dealer and a registered investment adviser and Member FINRA and SIPC. Annuities and other insurance products are offered through PNC Insurance Services, LLC, a licensed insurance agency (CA License #0B57695).
PNC Wealth Management and PNC Insurance Services do not provide legal, tax, or accounting advice.
View the PNC Wealth Management Business Resiliency Planning Customer Disclosure.
This document provides information on additional compensation that PNC Wealth Management receives from certain mutual fund companies, 529 plan program managers and insurance companies.
This document contains information regarding trade away practices of investment managers in the PNC Wealth Management managed account programs.
This material does not constitute an offer or solicitation in any jurisdiction where or to any person to whom it would be unauthorized or unlawful to do so.
PNC Wealth Management does not guarantee the performance of any investment. Investing results may vary. Investments may lose money. Diversification and asset allocation may not prevent a loss of investment.
PNC Wealth Management LLC, PNC Insurance Services, LLC and PNC Bank, National Association are each affiliated with The PNC Financial Services Group, Inc.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC.
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