{"id":19566,"date":"2017-12-01T10:00:09","date_gmt":"2017-12-01T15:00:09","guid":{"rendered":"https:\/\/blogarchive.utc.edu\/news\/?p=19566"},"modified":"2018-12-17T14:36:33","modified_gmt":"2018-12-17T19:36:33","slug":"smile-fund-career-changing-opportunity-utc-students","status":"publish","type":"post","link":"https:\/\/blogarchive.utc.edu\/news\/2017\/12\/smile-fund-career-changing-opportunity-utc-students\/","title":{"rendered":"SMILE Fund is a career-changing opportunity for UTC business students"},"content":{"rendered":"
\"\"

Isabella Loza-Ortiz, who had a job at Unum waiting for her when she graduated, says working with the SMILE Fund “changed my career.\u201d<\/p><\/div>\n

 <\/p>\n

Dillon Martin was in New York, meeting and greeting \u201cbig-time\u201d movers and shakers in the world of finance. There were people from Barclay\u2019s, from the New York Stock Exchange, from TD Ameritrade.<\/p>\n

It was somewhat daunting to talk shop with titans of the financial industry, he admits, but he also came away with something valuable:<\/p>\n

\u201cI knew that there wasn\u2019t magic to it.\u201d<\/p>\n

\u201cWe know the same things they know,\u201d says Martin \u201916, who now works full-time at Merrill Lynch in Chattanooga. \u201cWe can understand it just as well as anybody else. It instilled a whole lot of confidence and it took away a whole lot of anxiety. Once you take away that worry, it levels out the playing field.\u201d<\/p>\n

While classroom lessons are essential, he says, much of his ability to navigate the nerve-wracking world of investments without going gray can be traced to a program he was involved in while a finance student at UTC: the SMILE Fund.<\/p>\n

Created in 2015 with a $250,000 endowment from the UC Foundation, the fund\u2014SMILE stands for Student Managed Investment Learning Experience\u2014allows students to invest in the stock market. Real money. Real wins and losses. Real world. No Monopoly money here.<\/p>\n

Essentially, they are financial advisors with the UC Foundation as their client. They must research various stocks, make the carefully-considered but ultimately gut-level judgments on which ones to buy and which to sell, when to buy and when to sell.<\/p>\n

\u201cWe have a saying, \u2018It\u2019s better to be wrong for the right reasons than to be right for the wrong reasons,\u201d says Dr. Hunter Holzhauer, UC Foundation associate professor of finance and faculty advisor to SMILE.<\/p>\n

Although final decisions are OK\u2019d by higher-ups, students who\u2019ve been part of SMILE say it\u2019s a rare moment when they\u2019re overruled.<\/p>\n

\u201cYou gain experience that you just can\u2019t get in a classroom at all,\u201d says Hunter Carroll, current president of the fund. \u201cYou hear it in class and you know that it\u2019s important, but it gives you the experience to see what you\u2019re learning in class applies to the real world.\u201d<\/p>\n

In conversation, SMILE students use terms like \u201cfinancial modeling,\u201d \u201cquantitative and qualitative research,\u201d \u201cderivatives,\u201d \u201cequities,\u201d \u201calgorithms\u201d and \u201ccommodities\u201d\u2014and actually know what they mean. They come off so knowledgeable and self-assured, you\u2019re tempted to reach into your pocket, pull out whatever money you have there and give it to them, saying \u201cInvest this for me.\u201d<\/p>\n

\u201cI don\u2019t want this to sound braggy,\u201d Carroll says, \u201cbut I think that being in the SMILE Fund, especially if you take it seriously \u2026 I think you really do leave college with the mindset of a late 20-year-old in the investment world.\u201d<\/p>\n

 <\/p>\n

Instantly Employed <\/strong><\/h3>\n
\"\"

After working with the SMILE Fund, Dillon Martin now has a job at Merrill Lynch in Chattanooga.<\/p><\/div>\n

For many SMILE students, jobs are waiting for them before they even graduate. Martin\u2019s job as a financial advisor at Merrill Lynch was waiting for him; Isabella Loza-Ortiz ’16 had her name on an investment analyst position at Unum before she picked up her diploma. Carroll, who graduates in May, doesn\u2019t have a fulltime job yet, but he\u2019s hardly worried.<\/p>\n

\u201cI have countless business cards in my apartment from people I\u2019ve met through the SMILE Fund. One of my drawers at home is dedicated to throwing business cards in,\u201d he says.<\/p>\n

At this point, the fund has about $285,000, according to Holzhauer. While the fund has had its dips, it has spent almost all of its two years on the positive side of the ledger, he says. SMILE uses the S&P 500 as its benchmark, trying to maintain its growth\u2014or losses\u2014at the same level as the index and overall it\u2019s growth rate has been better.<\/p>\n

\u201cAt eight months into this year, we\u2019re about 1.5 percent above the S&P,\u201d he says. \u201cIf you\u2019re beating your benchmark by 1 or 2 percent every year, you can\u2019t ask for more than that.\u201d<\/p>\n

Over the summer, two high school students called Holzhauer, asking specifically about the SMILE Fund and whether freshmen can be part of it. Yes, they can, Holzhauer told them.<\/p>\n

The University of Tennessee was also on their radar, he says, \u201cbut they wanted to come to UTC and getting in the SMILE Fund was a high priority.\u201d<\/p>\n

If they decide to come to UTC, however, they must realize that there\u2019s no slacking in the fund. Don\u2019t do the job? You\u2019ll be fired, just like you would in real life.<\/p>\n

\u201cI hire and I fire and I fire a lot,\u201d Holzhauer says. \u201cIt\u2019s usually pretty shocking to the students, but it\u2019s good. I think it sends a message: This is real.\u201d<\/p>\n

\u2018Exciting\u2019<\/strong><\/h3>\n

Ashley Nichols \u201807, an investment officer at Unum, has been part of the fund\u2019s professional advisory board since Day One. And yes, she sees the financial professionalism exhibited by SMILE students, but another talent stands out even more.<\/p>\n

\u201cTo me, it\u2019s about\u2014No. 1\u2014learning to communicate ideas verbally, to get up in a room full of peers and professionals who give you feedback.\u201d<\/p>\n

Giving presentations in a boardroom-like setting is a frequent task when you\u2019re dealing with financial and investment issues, she says, and it\u2019s a \u201cunique\u201d situation for SMILE students to do the same thing. In those situations, they must learn how to be confident and knowledgeable\u2014and non-sweating\u2014when they\u2019re \u201cpeppered with questions and have others pick apart their thinking.\u201d<\/p>\n

\u201cThey\u2019ve been up there and they can take it,\u201d she says.<\/p>\n

Loza-Ortiz joined the SMILE Fund in January 2015, six months before the endowment\u2014i.e., the cash\u2014was officially handed over. Students and faculty used the time to iron out some of the kinks in their systems, making sure everyone knew their jobs and how to do them.<\/p>\n

The idea that they were handling $250,000 wasn\u2019t so scary as much as \u201cexciting,\u201d says Loza-Ortiz, who graduated with a degree in finance. \u201cIt meant you cared about it a little bit more; you were more interested in the whole process, more accountable.\u201d<\/p>\n

She has no hesitation about SMILE\u2019s influence in her life.<\/p>\n

\u201cI would say that it changed my career.\u201d<\/p>\n

Special abilities<\/strong><\/h3>\n

Paul Payne, senior financial advisor at Merrill Lynch, hired Dillon Martin to be on his four-person team in part because of what the student had learned while working at the SMILE Fund. Martin was blessed with \u201ca magnetic personality\u201d that draws people to him and convinces them to trust his abilities, Payne says, but the lessons he learned at the SMILE Fund raised him to a higher level.<\/p>\n

Payne points to a statement from the book Every Good Endeavor: Connecting Your Work to God’s Work<\/em>: \u201cWe are most fulfilled when our passion and competency intersect at our highest point.\u201d<\/p>\n

\u201cWhat I saw in Dillon was he was someone who had passion about what he did and yet exuded a great sense of competency,\u201d he says.<\/p>\n

Martin is not hesitant to credit SMILE with the certainty he has in his abilities. Such confidence may not be something that other finance undergraduates feel when they leave school, he believes.<\/p>\n

\u201cThe SMILE Fund allows us operate from a position of strength when we come out of undergrad. Most students, when they come out of undergrad, I don\u2019t think are in that position of strength. They\u2019re coming out in a position of kind of begging, \u2018Please give me this job\u2019 as opposed to \u2018Why I think I fit here.\u201d<\/p>\n

\u201cI think SMILE Fund students go into interviews\u2014if they\u2019ve done it the right way\u2014and know that there are very few candidates better than them.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

Created in 2015 with a $250,000 endowment from the UC Foundation, the SMILE fund allows students to invest in the stock market. Real money. Real wins and losses. Real world. No Monopoly money here.<\/p>\n

Continue Reading <\/a><\/span><\/p>\n","protected":false},"author":1105,"featured_media":19572,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","_ef_editorial_meta_date_first-draft-date":"","_ef_editorial_meta_paragraph_assignment":"","_ef_editorial_meta_checkbox_needs-photo":"","_ef_editorial_meta_number_word-count":"","_ef_editorial_meta_checkbox_slider":"","_ef_editorial_meta_checkbox_featurette":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[64],"tags":[],"class_list":{"0":"post-19566","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news","8":"entry"},"yoast_head":"\nSMILE Fund is a career-changing opportunity for UTC business students | UTC News Archive: Jul 2007 - Oct 2025<\/title>\n<meta name=\"description\" content=\"Created in 2015 with a $250,000 endowment from the UC Foundation, the SMILE fund allows students to invest in the stock market. 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