Todays investor must work harder than ever before to prepare for a long retirement. Whether you are retiring in 30 years or have retired 15 years ago a three-tier strategy can help grow your portfolio and sustain retirement income from the long-run
Each year we sit down with you to review your cash-flow requirements. Based on this your portfolio will be seperated into three tiers; short-term, medium-term and long-term.
Short-term
Medium-term
Long-term
The short-term tier provides your near-term cash-flow needs
The medium-term tier tops up the short-term tier with cash-flow from income and maturing investments
The long-term tier provides growth potential to sustain the portfolio for later years, invested primarily in equities
This strategy is governed by three core objectives
- Sustain stable and consistant cash-flow, without selling core long-term investments
- Maximize returns over the long term while reducing concentration risks and volatility
- Fund your income needs over your planned retirement
Long-term Investment Options
Enhanced Growth
Responsible Growth
Tax-efficient Growth
- An Allocation to structured notes, issued by Canadian Banks, that are expected to improve returns, and provide some form of principal protection in the event of prolonged market downturns
- A tactical allocation to regions and sectors where equities are performing the best.To avoid large losses this strategy shifts to bonds or cash in times when equities are underperforming
- Avoiding investments many investors would find ovjectionable through Environmental, Social and Governance (ESG) screening criteria.
- Eliminating companies focused on fossil fuels for energy purposes, as society transitions away from these fuels.
- A tactical allocation to regions and sectors where equities are performing the best.To avoid large losses this strategy shifts to bonds or cash in times when equities are underperforming
- Provides tax-efficient growth for non-registered accounts and business owners investing within a holding company
- Investors can elect for tax treatment that suits their circumstances (compound growth, Canadian eligible dividends or return of capital) for the same underlying equity portfolio
Medium-term Investment Options
Balanced Growth & Income
Responsible Growth & Inome
Tax-efficient Growth & Income
- Primarily owns investments we feel will produce positive returns over a medium-term time horizon. Structured notes designed for this purpose, preferred shares and certain 'liquid alternatives' fit this criteria
- Primarily owns investments we feel will produce positive returns over a medium-term time horizon, which are screened with Environmental, Social and Governance (ESG) criteria.
- Primarily owns investments we feel fill produce positive returns over a medium-term time horizon, while avoiding taxable income. The mechanisms used in our tax effieicnet strategy will be tailored to your particular tax situation.
Short-term Investment Options
- Funds that will be required within the next several years will normally be invested primarily in low-risk bond funds or bank deposits