A SOLID FOUNDATION

We provide flexible, diverse investment products with the right asset mix for your portfolio that fits your financial goals.

The two main categories of assets are:

• Equities, such as stocks, tend to be more volatile and can have higher returns.
• Fixed-income assets, like government bonds, are more predictable but usually don’t match equities for potential returns.

A mix of equities and bonds works well due to diversification. By holding more than one type of asset, your exposure to a single risk is reduced.

Once a portfolio’s broad asset mix is defined, we expand the investment universe to manage risk and maximize value. To accomplish this, we can break down the fixed-income and equities categories into smaller components. And also go beyond traditional stocks and bonds to diversify with assets like mortgages, which historically offer excellent risk-adjusted returns, but are not represented in most fixed-income asset portfolios. By mixing assets strategically and efficiently, we aim to provide the highest return possible for a given level of risk over the long term.

One of the few things we’re absolutely certain of is that no one knows everything. For this reason, along with diversifying across stocks, regions and industries, we also diversify across investment management firms. Using an independent business model, the professionals who choose the individual bonds and stocks that make up our portfolios are not limited to our in-house team. 

Learn more about our sub-advisors.

Our multi-manager approach lets us blend lower cost passive exchange traded funds with active bond and equity managers, ensuring our costs compare favourably to similar portfolio programs in Canada. 

Our strong investment discipline and preference for simplicity and clarity means that, when markets inevitably experience turmoil, investors understand how and why their portfolios are structured for resilience. This allows us to stay the course and be opportunistic in all types of market environments, rather than reactionary. Ultimately our goal is to be predictable for our investors. Over time, the more confidence they have with our unwavering investment philosophy, the greater chance they will trust the process and remain invested, leading to success in their long-term goals.