SOLUTIONS

Third Party Investment Manager Search

We have access to some of the biggest and brightest money managers in the business. This includes institutional pension fund managers and alternative managers from all around the world. Further, with the use of CIBC Wood Gundy's Investment Consulting Service (ICS) - Canada`s leading Separately Managed Account Program (SMA) - we can access the expertise of industry-leading third party investment managers typically not accessible by the average investor.

Alternative/Absolute Return Investments

The use of alternative strategies is an important part of a well-diversified portfolio. They include investments such as hedge funds, private equity, infrastructure, and real estate strategies. Since these investments typically have very low correlation with the equity and fixed income markets, they can also improve a portfolio's return while reducing the risk. Therefore, Pension funds and Endowments continue to invest in this space, and why we continue to monitor and analyze investment options.

Structured Notes

Structured notes are a unique investment solution, that are only available through Canadian banks. Highly customizable, structured notes are an excellent complement to a diversified portfolio. The combined use of derivatives and ETF's deliver a one product solution that incorporates forward looking market views.. The De Melo Financial Group uses Auto Callable Notes & Coupon Notes. Auto Callable Notes are used as equity like substitutions to capture market appreciation but protect principal on the downside. Coupon Notes are used as income like alternatives, that pay coupons and generate cash flow, that can also provide protection in down markets

ETFs

We do not use traditional market tracking ETF's, as these products expose the investor to both the upside (good times) and also the downside (bad times). These products are designed to track the index in both return and volatility. Instead we prefer to use actively managed ETFs. These low cost structures are actively managed. Using a quantitative, rules based factor approach, the managers seek to create alpha and protect your assets with downside protection. Active ETFs are a great complement to a diversified portfolio by not only lowering costs, but also volatility.