Disciplined Investment Philosophy
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I follow a disciplined process when constructing your investment portfolio. This approach is designed to provide you peace of mind and the least risk for the returns you expect from your investments.
Understanding Your Tolerance For Risk
Protected Principal Strategies
If you have already met some of your financial goals and do not want to jeopardize your capital, you can select investments which allow you to participate in market growth and protect your principal.
I also assess your personal risk tolerance through the use of a risk tolerance questionnaire. Your tolerance for risk and the returns required to meet your goals will then provide the basis of your Investment Policy Statement.
Develop an Asset Allocation Strategy
Asset mix is the most important factor in determining the expected return and risk of your portfolio. To determine a proper asset mix for your portfolio, I will consider tax consequences, income needs, and return expectations.
Provide a Written Investment Policy Statement
A written Investment Policy Statement establishes a long term plan for an investment portfolio and the framework from which investment decisions can be made.
Your Investment Policy Statement will help to keep the investment process intact during periods of market upheaval and help remove emotion from your decision making.
Investment Recommendations
It's Your Money!
Many advisors recommend mutual funds with deferred sales charges.
Call me to find out how you can avoid these charges, lower your other investment expenses, invest more tax-efficiently, and sell your investments for any reason without being dinged with a deferred sales charge.
Investments are recommended based on your Investment Policy Statement, your tax situation, and quality research so you can be confident you are not taking unnecessary risk for the returns you are seeking.
For equity investing, I focus on providing you access to some of the best investment managers in the world. This approach provides superior long-term risk adjusted returns compared to investing in individual stocks or mutual funds.
For income investing, I will normally recommend owning preferred shares, bonds, and GICs directly so you can achieve the highest return for the risk you take.
Monitor and Rebalance
Investing is an ongoing process. Your portfolio will be periodically reviewed, compared to your investment policy statement, and if necessary, rebalanced.