The entire Cardinal strategy is driven by extensive research focused on investing in quality companies. Cardinal believes in “buy-and-hold,” we do not attempt to time the market, and we strive to remain fully invested at all times. Short-term market expectations and popular trends and fads do not influence our investment decisions.

Our investment team is guided by these 12 Cardinal Rules:

1. Buy quality
2. Buy value
3. Be patient
4. Use common sense
5. Do not over-diversify
6. Hold winners, sell losers
7. Emphasize liquidity
8. Avoid market timing
9. Re-invest income
10. Build wealth
11. Stay balanced
12. Do not over-trade