Institutional & Nonprofit Investment Management

Thoughtful, effective strategies start with a deep understanding of your goals.

Each nonprofit institution is unique and requires more than a single investment approach designed for any investor. At Bank of America Private Bank, we believe portfolios that incorporate multiple asset classes and multiple sources of return offer institutions the best opportunity to advance their missions and achieve their goals. Our approach is collaborative, flexible and customized to the needs and preferences of each institution.

Our personalized service is backed by our Chief Investment Office (CIO) and Bank of America's vast resources and deep level of insight into the markets. The CIO is the engine driving our investment process. You'll realize the value of the depth and breadth of this team, as we draw on their research analysis and insights to manage your portfolio.

Understanding Your Organization

We begin by developing a deep understanding of your goals and objectives. We then seek to combine this insight with our portfolio construction experience to develop and actively manage institutional portfolios tailored to your organization.

Portfolio Construction and Optimization

We seek a team of excellent managers and then analyze how each manager performs in the context of existing managers in that asset class and in the portfolio overall. Using a variety of risk management techniques we select combinations of managers and structure a portfolio within an appropriate risk level for your organization.

Customized Asset Allocation

We analyze the risk and return expectations for a wide range of asset classes, from traditional assets to hedge funds, private equity funds and global investment opportunities. Where appropriate, we can incorporate nonfinancial assets such as timber, farm and ranch land, commercial real estate, and oil, gas and mineral interests.

Goal-Focused Monitoring and Review

Our quarterly client reviews include an overview of the economic and market conditions and a thorough, in-depth review of portfolio performance, based on the organization’s spending policy and investment policy statement.

Careful Selection of Managers

We identify the most compelling investment managers through our eight-factor model that evaluates each firm and its resources, methodology and investment results. This time-tested process helps ensure a consistent evaluation across the thousands of managers we consider.

Sustainable and Impact Investing

Investment solutions that help promote social and environmental change.

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Cash & Liquidity Management

Treasury management and fixed-income strategies to help optimize your cash flow.

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Alternative Investments

Sophisticated solutions that can complement traditional investments and help meet your needs.

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Specialty Asset Management

Diversifying your wealth with nonfinancial assets.

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Fixed Income

Delivering custom fixed income solutions tailored to your personal investment objectives.

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The Chief Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., (“Bank of America”) and Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S” or “Merrill”), a registered broker-dealer, registered investment adviser and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

Risk management, diversification and due diligence processes seek to mitigate, but cannot eliminate risk, nor do they imply low risk.

Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.

Investing in fixed-income securities may involve certain risks, including the credit quality of individual issuers, possible prepayments, market or economic developments and yields and share price fluctuations due to changes in interest rates. When interest rates go up, bond prices typically drop, and vice versa.

Sustainable and Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating. Impact investing and/or ESG investing has certain risks based on the fact that ESG criteria excludes securities of certain issuers for nonfinancial reasons and therefore, investors may forgo some market opportunities and the universe of investments available will be smaller.

Alternative investments are speculative and involve a high degree of risk.

Alternative investments are intended for qualified investors only. Alternative Investments such as derivatives, hedge funds, private equity funds, and funds of funds can result in higher return potential but also higher loss potential. Changes in economic conditions or other circumstances may adversely affect your investments. Before a client invests in alternative investments, they should consider their overall financial situation, how much money they have to invest, their need for liquidity, and their tolerance for risk.

Nonfinancial assets, such as closely-held businesses, real estate, fine art, oil, gas and mineral properties, and timber, farm and ranch land, are complex in nature and involve risks including total loss of value. Special risk considerations include natural events (for example, earthquakes or fires), complex tax considerations, and lack of liquidity. Nonfinancial assets are not in the best interest of all investors. Clients should always consult with their independent attorney, tax advisor, investment manager, and insurance agent for final recommendations and before changing or implementing any financial, tax, or estate planning strategy.