How We Invest

Our philosophy

Time reduces risk.
Staying invested builds outcomes.

Markets are unpredictable in the short term, but disciplined structure and time create clarity. Your portfolio is built to withstand volatility, stay aligned with your goals, and compound steadily across full market cycles.

Backed by RBC’s research, risk systems, and platform oversight, the focus stays on long-term outcomes rather than short-term noise.

The discipline behind how we invest

Our Three Rules

A clear philosophy only matters if it shows up in day-to-day decisions. We will continue to have both bull and bear markets; these three principles guide how portfolios are built, monitored, and adjusted in all environments, with the depth and infrastructure of RBC behind the scenes.

Rule one

Maintain objectivity

Emotion is the enemy of good investing. We rely on data, valuation, and process so decisions stay rational through both calm and volatile markets, using RBC’s research and tools to stay grounded rather than reactive.

Rule two

Manage risks

Risk is what you feel; return is what you measure. We monitor exposures, volatility, concentration and drawdowns so your portfolio remains aligned with what you can actually withstand, supported by RBC’s institutional risk oversight.

Rule three

Tax-smart investing

Headline returns matter; after-tax returns matter more. We structure portfolios across personal, corporate, and registered accounts to reduce tax drag and enhance compounding, working alongside RBC tax and planning resources where appropriate.

Portfolio design

How we build your portfolio.

Portfolio construction starts with planning: a deep discovery of your balance sheet, entities, cash flow, risk capacity, and objectives. From there, we translate that plan into an investment mandate and design the mix using the breadth of RBC’s investment platform.

Asset mix

Asset allocation with a purpose

We set the balance between equities, fixed income, and other asset classes based on what your portfolio needs to deliver, not a generic risk label. RBC’s capital markets and research views inform how that mix is implemented.

Diversification

Global and factor-aware diversification

Exposure across regions, sectors, and return drivers reduces concentration risk and supports more consistent long-term results, drawing on RBC’s global opportunity set and manager research.

Professional managers

Institutional managers & SMAs where they add value

For key asset classes, we use professionally managed separately managed accounts (SMAs) run by experienced portfolio managers with long track records. Through RBC, these managers are selected, monitored, and held accountable to clearly defined mandates and risk parameters.

Evidence

Evidence over forecasts

We do not build portfolios around predictions. Instead, we use valuation, fundamentals, risk metrics, and probabilities to inform positioning through cycles, supported by RBC’s research and due diligence.

Tax & advanced strategies

Improving outcomes after tax.

Two portfolios with the same gross return can leave very different amounts in your hands. We focus on the structure around your investments, not just the holdings themselves, drawing on RBC’s planning and tax expertise when needed.

Tax-smart portfolio management

In non-registered accounts, we look for opportunities to realize losses strategically, offset gains, and reinvest without disrupting your long-term plan. Asset location decisions—what goes in corporate, personal, and registered accounts—are made with tax drag in mind.

Tax-loss harvesting in suitable market conditions

Thoughtful placement of income- and growth-oriented assets

Coordinating investment structure with broader RBC planning support

The goal is simple: stronger after-tax compounding over time, using the full toolkit available through RBC.

Insurance and advanced planning strategies

For some clients, insurance-based strategies can be an efficient way to protect capital, enhance estates, or support charitable goals as part of the overall plan. Here, we collaborate with RBC insurance and estate specialists.

Boosting retirement income in a tax-efficient way

Enhancing the value of your estate for beneficiaries

Reducing the impact of probate and other estate costs

Structuring larger, more tax-efficient charitable gifts

You have access to dedicated RBC specialists to assess suitability, structure, and long-term impact.

Oversight

Keeping your portfolio aligned over time.

Markets move. Your life changes. Our role is to ensure the portfolio does not drift away from what it was designed to support, with the scale and oversight of RBC behind every decision.

Disciplined monitoring & rebalancing

We track your exposures and rebalance when allocations drift, so risk stays within the band you agreed to — using RBC’s risk and portfolio tools in the background.

Adjusting first to your reality

Changes start with you: new corporations, income needs, purchases, or goals. We adjust the portfolio around those shifts, coordinating with RBC planning and advisory teams where appropriate.

Clarity around every decision

You know what you own, why you own it, and what has changed. You get the scale and infrastructure of RBC with one point of contact keeping the moving parts organized.

If you're ready, let’s talk.