Are you ready to start formulating an asset allocation strategy that will reduce unnecessary risk and offer the potential rates of return you need to achieve your financial goals?
We develop, analyze and review your investment needs by accessing four main categories: Risk and Return, Asset Allocation, Understanding Investment Products, and Measuring and Evaluating Performance.
Risk and Return
Investment objectives can be broken down into four types of return:
- Capital Growth
- Income Generation
- Capital Preservation
- Inflation Protection
Assessing a portfolio’s risk and your tolerance to its risk is a fundamental step in preparing a proper wealth management portfolio. As such, we will help you to articulate your risk tolerance in a way that best represents your objectives while making an account for your personal constraints, your needs for liquidity, your time frame, and your family situation.
Considering your personal needs, objectives and personal constraints are a vital part of our investment management process. Probably the most important part of your investment plan is asset allocation.
We take into account all of the following assets when we review and analyze a client’s assets:
- Cash and equivalents
- Bonds, mortgage assets, and preferred shares
- Foreign currency bonds
- Canadian equities
- International equities
- Real estate, the family business, and etc.
The art of asset allocation is developing a strategic and tactical asset management program that involves choosing a target mix of assets from amongst the various options, periodically re-balancing the portfolio back to its target mix, and evolving the portfolio over time to account for developments within the various markets places.
Understanding Investment Products
Understanding the investment products you own is part of our plan. We will help you better understand the benefits and limitations that professionally managed investments have when it comes to meeting your goals and why knowledge is your biggest asset.
Measuring and Evaluating Performance
Once the review and analysis stage is complete and you are familiar with the available options, only one final decision regarding asset allocation remains – performance.
This decision is based mostly on past returns and the known risk levels of investment products. We will help you compare these results against the related benchmarks and determine whether or not the portfolio is producing to your satisfaction.
Consistent performance year-in and year-out is an important aspect of your financial plan and should not be taken lightly.
PEAK Securities Inc. is a full-service broker registered with the Investment Industry Regulatory Organization of Canada and limits its responsibilities to investment products such as stocks, bonds, and mutual funds. PEAK Securities Inc. is a member of the Canadian Investor Protection Fund. Financial planning, tax services, and insurance products are offered through Stratford Financial Planning Inc.
This website is intended for residents in the provinces of Nova Scotia, Ontario, and British Columbia.