We use asset allocation as the foundation for our portfolio management approach. This involves allocating our clients' portfolios among the primary asset classes; equities, fixed income and cash equivalents, aligning their portfolios with their objectives and time horizon. Our investment philosopy is to seek reasonable levels of long-term returns while minimizing risk and volatility. In other words, strong risk-adjusted returns are most important to us.
The core of our service offering is discretionary portfolio management. This process involves the generation of an Investment Policy Statement, outlining the needs/objectives of each client, the asset mix ranges that will be employed to manage their portfolio and any special considerations that may apply, such as their ongoing income needs. A sampling of the portfolio mandates employed is shown in the graphic below.
Income Portfolio - You want to preserve your capital or establish a source of periodic income for ongoing expenses. You are willing to give up the long-term return potential of equities, in exchange for higher levels of short-term stability.
Conservative Portfolio - You can tolerate limited volatility to ensure that your assets will grow, but you prefer to focus on stability. You may have ongoing income needs from your portfolio.
Balanced Portfolio - You give equal weight to income and capital growth. You can tolerate moderate volatility to ensure the growth of your capital, but you prefer to the balance provided by exposure to fixed-income securities alongside your equity holdings.
Growth Portfolio - Your main goal is long-term capital growth. Although you can tolerate greater volatility in order to increase the value of your assets over time, you are not prepared to invest your entire portfolio in stocks.
Maximum Growth - You want to maximize the eventual return on your capital by investing all or most of your portfolio in the stock market. In doing so, you accept higher volatility of your investment returns in the hope that these returns will ultimately be higher.