As a team dedicated to community associations, our investment advice focuses on protecting reserve funds, ensuring liquidity for upcoming repairs, and maintaining regulatory compliance. The goal is to achieve conservative growth while prioritizing the safety of capital.
Our approach includes:
- Creating a formal Investment Policy Statement (IPS) that sets clear objectives, risk limits, and liquidity needs, with annual reviews for ongoing relevance.
- Prioritizing safety and liquidity by recommending only CDIC insured accounts, GICs and Investment Grade Bonds.
- Using laddered investments to match cash needs with upcoming repairs, optimizing returns while keeping funds accessible.
- Monitoring portfolios regularly to ensure compliance with all regulations and to manage CDIC insurance limits by diversifying across banks if needed.
- Recommending specialized financial services for access to better rates and streamline investment management.
This approach helps boards protect funds, meet their obligations, and avoid unnecessary risk.
