Shares of American Express (AXP) have fallen over 27 percent in the past 12 months, as the financial giant fights to hold onto customers after losing Costco (COST) last year. David Harden, chief investment officer at Summit Global Investments, said Amex CEO Ken Chenault will not let that mistake happen again and will indeed turn the company around. 'What he’s learned from the Costco situation is that they can’t take anybody for granted,' said Harden. 'From a stock perspective, he is doing the right things and they are headed in the right direction.' Harden added that American Express has a low beta of .9 in the past two years and continues to maintain a moderate beta, which is highly attractive for investors seeking to limit volatility. He is also positive on shares of Target (TGT), which are flat in the past year, but up over 13 percent in the past month after the Minneapolis-based retailer set its 2016 fiscal year earnings guidance above analysts' projections for the period. Target guided for earnings of $5.20 to $5.40 a share, surpassing Wall Street estimates of $5.16 a share for the year ending in January 2017.