INVESTMENT PROCESS
People in Chatham-Kent trust the quality of advice they have received from me over the years. If you are looking to build a lifetime relationship with an advisor to manage your wealth, you should consider contacting us through this site.
For over a century, investors have turned to RBC Dominion Securities to achieve their goals. Over the past years, we have assisted many families in wealth management. Our plan is to continue to advise for many years to come.
The cornerstone of our business is meeting with our clients on a regular basis. This allows us to stay on top of your goals.
Our Philosophy:
Growing and Protecting Your Wealth.
It's your money. You've worked hard to build the assets you have. You can trust us to do everything in our power to help you preserve and grow your wealth you have accumulated.
Establishing Your Investment Objectives.
It is important that your own unique investment objectives determine the composition of your portfolio. Recommended changes in your portfolio should be related to your objectives and a clear, comprehensive review of those objectives is a necessary starting point. We put a lot of effort into helping you formulate a long-term, customized investment strategy appropriate to your situation. Your situation changes, capital markets change, and the factors that determine investment success can change. We are committed to working with you over your lifetime to ensure you make the necessary adjustments to allow you to meet your objectives.
The Discipline Approach.
Our discipline consists of building a plan and sticking to it. We work together to achieve your goals over a realistic timeframe. We use a well thought out investment approach over the long term rather than simply reacting to an ever-changing short-term environment.
Diversification.
Risk cannot be eliminated, but it can be managed. Diversification has been proven to be the most effective way to manage many risks to which your financial assets will be exposed.
Regular Reviews.
We will plan to review as often as we see necessary in order to ensure that it remains appropriate and that your portfolio structure properly balances your objectives with current capital market realities.
Whether it be annual or quarterly, written or verbal, an agreed upon process for review and established guidelines for change are important cornerstones of our approach to investment management.
Our Investment Process:
Equity
For a client's growth portfolio, mutual funds or stocks can be chosen.
For mutual funds, we pick from RBC Recommended Portfolio. A good mix of Canadian and Foreign funds is appropriate. We offer over a thousand mutual funds, so a client has plenty of choice. We narrow it down to about 20 mutual funds that we like.
For stocks, a client should have at least $100,000. We choose from the RBC Strategy Focus List. The list has been running since 1984 and has an annual rate of return of 18.3% where it has outperformed the Toronto Stock Exchange. My clients will own about 20 stocks, diversified between sectors. Every 3 months, I am in touch with my clients for any changes. My clients are charged a low management fee and are not charged commission.
Fixed Income
The preferred strategy is to have a laddered Fixed Income Portfolio. This means having equal amounts come due in different years. For example: a $200,000 portfolio may have $40,000 due every year for 1-5 years or $20,000 due for 1-10 years. Every year a maturity takes place. That amount could be considered to withdrawal or to invest for the longest maturity. The longest maturity almost always pays the best rate, ensuring you a high solid rate of return.
