Freedom to live the life you want

Private Investment Management offers a level of wealth management designed to free you from the day-to-day details of managing your wealth. It gives you the confidence to pursue your goals, knowing your wealth will be managed according to the highest standards.

We are your own personal Portfolio Manager. Your portfolio is built from the ground up based on factors such as growth requirements, income needs, and risk tolerance. Because your approval is not required for every single transaction, we are able to take advantage of investment opportunities quickly and efficiently. We are obliged to work within the specific guidelines that we have established with your in advance - we are accountable to these guidelines, which can be adjusted as your needs change. Your portfolio performance is regularly reviewed not only by us, but by the highest level of risk management in our firm as well.

Our meticulous five-step process


5 step approach in page

 

Our first and most important step is to listen to and understand both your needs and your dreams for the future. We take the time to understand your specific investment goals, such as saving for retirement, financing a business or additional property, and the timeframes available to achieve them. In addition, we consider your return expectations and tolerance for risk. This “discovery process” doesn't end here—as time passes and your situation changes, we will work with you to ensure that your investment strategy remains current.

With an in-depth understanding of your personal situation, we are able to create your investment strategy. This written document provides the framework for managing your financial assets going forward. It clearly sets out your investment objectives, income needs, timeframes, asset mix guidelines, security selection criteria, and review process. Your investment strategy helps keep your investment goals and preferences in clear focus. It also provides a benchmark for measuring the progress you're making towards achieving your goals.

Once you've approved your investment strategy, we can then structure your personal portfolio. When building your portfolio, we select from the universe of investments. This includes: 

  • Investments for growth, such as Canadian, U.S. and international equities
  • Investments for income, including government and corporate bonds
  • Investments for wealth preservation, including guaranteed investments

In choosing the appropriate investments, we combine an understanding of overall global economic and market trends, with fundamental research of individual investment opportunities.  We also have access to leading-edge investment research provided by RBC’s Investment Strategy Committee, RBC Capital Markets, as well as third-party independent firms. You will have a diversified portfolio that conforms to the guidelines and direction we set in advance, which means each recommendation will be clear and well-suited.

This step involves monitoring the progress towards your continued success.  We review your portfolio with you on a regular basis, and recommend appropriate changes to keep you on track. We will also take care of the day-to-day investment decisions on your behalf, to respond to and anticipate the changing market and economic landscape. 

Your portfolio is reviewed by the highest level of risk management in our firm, to ensure your investments adhere to the high standards set out in your investment strategy.  You will receive a copy of all account activity via account statements, portfolio review packages, transaction updates and annual tax reports.

We will meet with you on a regular basis to review your portfolio and get an update of your personal and financial situation.  When a life event or significant change to your circumstance has occurred, we will adjust your investment strategy accordingly to reflect these new objectives and time horizon. 

You will always have access to your accounts and timely market information through our online services portal.  Additionally, we can provide any data and custom reports you would like to have for your investment portfolio.