Investment Strategy
Wise investing built within a wealth planning process can help you earn more and enjoy a comfortable retirement.
We understand the importance of prudent investing and are committed to delivering a successful investment experience.Investing is not about achieving the highest return. It is about reaching your goals while maintaining financial security. We work with you to navigate these investment decisions and understand the balance between risk and reward that is right for you.
Applying Insights From Financial Science
Your personalized portfolio is designed to take a diversified, long-term investment strategy to help you reach your goals. We know markets will go up and down. We are here as your guide to create a portfolio that maximizes your gain without sacrificing financial security. Taking a transparent, time-tested approach backed by decades of research in financial and economic sciences will help you find peace of mind.
Diversify to Minimize Risk
When investing, an unpredictable ride can await those with a concentrated and undiversified portfolio. To reduce this risk, one option is to diversify, spreading your portfolio between different securities, sectors and geographies. With sufficient diversification, the jarring effects of performance extremes level out. That, in turn, helps you stay on course and creates peace of mind.
Structure Along The Dimensions of Returns to Maximize Gains
Securities offering higher returns share similar characteristics - value, size and high profitability. Holding a wide breadth of securities while over weighting the characteristics that have been shown to deliver a higher return over time allow your portfolio to improve returns without sacrificing diversification.
Helping You Make Informed Decisions
Making sense of today’s ever-changing financial markets isn’t easy. But having the right perspective on where the markets are going – and how they can affect your portfolio – is essential to succeeding as an investor.
Investment solutions designed for you
The starting point for achieving your investment goals is a personalized strategy. Several important factors will be considered in the creation of your strategy – your personal investment goals, how long you have to invest and how comfortable you are with market risk. Based on this, we will recommend guidelines for making investment decisions – including security selection and asset mix criteria. Over time, your plan will evolve to keep pace with your changing needs and will be adjusted to reflect current market conditions.
Balancing Risk and Reward
High returns are exciting, but they are only one of many factors affecting how long savings will last if you require regular income from your investments. Another, more important factor, is risk – especially if you’re relying on your portfolio for income. There is a simple mathematical reason for this: regular withdrawals reduce the value of the portfolio thereby diminishing the dollar base for future growth.
When negative returns occur, especially near the outset, the portfolio can decline in value substantially. When combined with a regular withdrawal, this can lead to retirement savings being exhausted much sooner than anticipated.
One can avoid this risk by investing solely into GICs. However, they would also be “leaving money on the table” by avoiding the stock market altogether. The optimal portfolio would take just the right amount of risk to avoid missing out on long-term returns, but not so much as to risk financial security.
Investing is not about achieving the highest return. It is about reaching your goals while maintaining financial security. We work with you to navigate these investment decisions and understand the balance between risk and reward that is right for you.
