Looking at the Bigger Picture
We believe your wealth does not begin and end with the investments in your portfolio. It includes your family, your business interests, and your philanthropic pursuits. Our concept of wealth management keeps your total picture in view.
Accumulating wealth, like any great achievement, requires creativity, skill, and perseverance. Wealth management takes into account all aspects of your family's finances - lifestyle, liquidity, taxes, legacies, and business concerns; as well as investing. It develops solutions that address the totality of your concerns.
Our wealth management process begins with the collaboration between you and your Investment Advisor. Through the decisions we make together, a wealth management strategy evolves to take on a distinctly individual shape, reflecting your investment objectives and aspirations.
Our experience has withstood the test of time. We concentrate on the financial and investment needs of individuals and businesses by helping you develop innovative strategies to manage your personal and corporate finances. We stress a long-term approach to investing and emphasize financial planning to help you determine your needs and risk tolerance.
FIXED INCOME
Provides: Diversity, Safety, Certainty, and Choice.
Through CIBC Wood Gundy, you have access to one of the largest inventories of fixed income investments in the industry.
Fixed income securities appeal to investors for several reasons:
- Diversification: By diversifying your portfolio with fixed income securities, you can reduce your investment risk and potentially increase your returns over time.
- Safety: Fixed income securities provide a steady stream of income and an issuer guaranteed pay-back price if held to maturity. In addition, the safety of a fixed income security is reflected in the credit rating of the issuer.
- Certainty: High quality fixed income securities can provide a series of predictable cash flows over a period of time with minimal risk to the invested capital. This feature is essential for budgeting and long-term planning.
- Choice: The multitude of fixed income securities available today provides investors with a flexible means to increase the value of their investments.
Whether you're looking for government bonds, corporate bonds, stripped bonds, GICs or money market instruments, we have access to the fixed income product you need.
OPTIONS
Most strategies that options investors use have limited risk but also limited profit potential. For this reason, options strategies are not get-rich-quick schemes. Transactions generally require less capital than equivalent stock transactions, and therefore return smaller dollar figures - but a potentially greater percentage of the investment - than equivalent stock transactions.
Although options may not be appropriate for everyone, they're among the most flexible of investment choices. Depending on the contract, options can protect or enhance the portfolios of many different kinds of investors in rising, falling, and neutral markets.
Many options strategies are designed to minimize risk by hedging existing portfolios. While options can act as safety nets, they're not risk free. Since transactions usually open and close in the short term, gains can be realized very quickly. This means that losses can mount quickly as well. It's important to understand all the risks associated with holding, writing, and trading options before you include them in your investment portfolio.
