Anessa Custovic, PhD.

Chief Investment Officer & Investment Advisor Representative at Cardinal Retirement Planning, Inc.
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Bio

Anessa Custovic earned her PhD in Financial Econometrics from the University of North Carolina at Chapel Hill in 2020. During her time at UNC-CH she gained valuable private sector consulting experience and taught a number of economics classes. Anessa provided consulting services ranging from quantitative research and risk management to model validation. She worked alongside our CIO, Dr. Mike Aguilar, and helped him run the Quantitative Financial Economics program at UNC-CH. She also has extensive experience in econometric and statistical modeling techniques from her PhD curriculum and research at UNC-CH. Her other professional experience includes: asset allocation, strategic and tactical portfolio positioning, and credit risk.

Anessa has been published in the Journal of Risk and Financial Management and is still conducting academic research outside of her professional obligations. Her research interests within economics and statistics include: applied econometrics, financial economics, finance, time series econometrics and mixed frequency models. In her free time, Anessa is a dog trainer and competes in dog sports with her two dogs.

Recent Quotes
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  • Anessa Custovic, chief investment officer at Cardinal Retirement Planning, says: "If you sell your losers when the market is down, you will find it extremely hard to make up those losses. The biggest gains come shortly after corrections or big losses in the market, and it's extremely difficult to time these big gains, so it's safest to stay invested rather than miss out." Timing the bottom can be difficult, and rallies are unpredictable, so staying invested is generally a safe middle ground.

    Custovic also echoes the advice of Warren Buffett to buy the shares of great companies and hold them forever. She recommends large-cap, blue-chip stocks that have strong cash flows, solid balance sheets and good dividends. During a market crash, these stocks might trade at more attractive valuations despite their strong fundamentals. "This might be the cheapest they will be in a very long time. Getting them at this low price and waiting for the recovery will help recover losses and likely result in gains in the long run," she says.

    14 July 2022
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    16 June 2022
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    5 July 2022
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    14 July 2022
Employment
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