Whether you are accumulating or decumulating assets, our investment management process starts with understanding you and which accounts we should be utilizing. (Registered Retirement Savings Plan, Tax-Free Savings Account, Corporate Investment Account, Etc).
We use the information gathered during the discovery phase of our process to develop a portfolio that encompass your financial objectives, constraints and risk tolerance. Whether you are focused on growth, income generation, preservation of capital, or corporate tax-efficiency, we create a personalized portfolio for you
Some rules we follow when creating a portfolio:
- The strategic Asset Allocation (or asset mix) decision is the most important factor in determining investment return and risk over the long-term.
- Asset Location must be thoughtfully considered. Diversification within and across asset classes is a critical risk management mechanism.
- Tactical asset allocation (or market timing) cannot be expected to consistently add value over the long-term.
- Greater exposure to equities are best for investors who have a long-term horizon.
- Fixed income investments remain an important part of a well-diversified portfolio.
- Alternative investments will be considered if appropriate.
- Regular portfolio rebalancing helps maintain an appropriate level of risk exposure.
- Where active management is determined not to add value, such as in highly efficient markets, passive management is the default choice.
- Costs have a significant impact on long-term results and need to be carefully monitored and controlled to ensure value.
- We believe that ALL fees should be transparent.
- We believe in regular client reviews focusing on fees, performance, suitability and asset allocation.
Interested in seeing a sample portfolio with a detailed performance breakdown? Contact us today
