Our Portfolio Approach
The basis of long-term, successful money management is predicated around creating a customized investment portfolio that reflects your investment needs throughout the various stages of your life.
Understanding your needs and goals
Our first and most important job is to listen to you and understand your needs and dreams for the future. We will take the time to understand your specific investment goals, such as saving for retirement or financing a business, and the timeframes available to achieve them. In addition, we will 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.
Creating your investment policy
With an in-depth understanding of your personal situation, we are able to create your investment policy. This provides the framework for managing your investment portfolio going forward. It clearly sets out your objectives, income needs, timeframes, asset mix guidelines, security selection criteria and review process. Your investment policy helps keep your goals and preferences in clear focus. It also provides a benchmark for measuring the progress you're making towards achieving your goals.
Building your custom-designed portfolio
Once you've approved your investment policy, we will structure your personal portfolio.
In building a personalized investment portfolio for you, we select from a universe of international investments. This includes:
- Investments for growth, such as Canadian, U.S. and international stocks
- Investments for income, including government and corporate bonds, preferred shares, ETF’s and mutual funds
- Investments for wealth preservation, including guaranteed investments and insurance
- Investments for diversification and return enhancement, such as private debt/equity, hedge funds and real assets
We have access to leading-edge investment strategy and research provided by the RBC Investment Strategy Committee, RBC Capital Markets and third-party, independent firms.
You will have a professionally managed, diversified portfolio that conforms to the guidelines and direction you set in advance.
Managing your portfolio and service plan
The last step in the process is to monitor your progress towards your continued success. Your investment Policy Statement is reviewed annually, with additional reviews conducted as needed including asset allocation and other portfolio changes. We provide RBC DS monthly investment activity statements and summary, Quarterly portfolio composition reports, a year-end tax package, as well as a complimentary Taron Berard Private Wealth Group –Bi-weekly Email Newsletter, Quarterly Investment Strategy Commentary & RBC Capital Markets Quarterly Strategy Publications.
