Executive Summary: We take a long-term, diversified approach to investing. We believe that a well-diversified investment portfolio held for the long-term will help our clients meet their goals. We take into consideration time-horizon, risk tolerance, income, taxation issues, dreams and goals to help coordinate an investment strategy that will help you sleep at night. Our minimum asset requirement is $250,000 or annually maximizing your RRSP and TFSA deposits.
The goal is to diversify a portfolio across two main management styles, value and growth.
A value manager will look for companies that are currently out of favour. If the manager feels these companies are trading at a discount to their true value he will purchase that company. If the manager was correct and it truly was an excellent company, just under-valued at the time, the market will eventually realize the true value, the company’s share price will increase and the manager will profit.
A growth manager selects companies whose earning are growing faster than the rest of the market and hopes to capitalize on this growth through an appreciation in the share price.
We typically start a portfolio on the value side, which tends to be more conservative and then as assets grow ‘diversify’ to include some growth companies as well.
An additional level of diversification will include companies of varying sizes. For example small capitalization companies (small cap) offer greater potential growth but also greater volatility. These companies range in value anywhere below $1 billion. Medium or mid capitalization companies are in the range of $1 billion to $5 billion. Large cap companies are those greater than $5 billion in market capitalization.
Once again investment choices are determined by many factors as listed above. Depending on the client, appropriate options may include Guaranteed Investment Certificates, T-bills, mutual funds, stocks, tax-shelters, insured retirement programs, registered and non-registered investments and registered education savings plans, each offering varying degrees of risk and return.
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