Managed Accounts
Our Separately Managed Accounts are designed for investors who seek long-term capital growth and prefer the convenience of a segregated discretionary portfolio through separately managed accounts. Separately managed accounts are investment portfolios of individual stocks, bonds, and/or cash managed by professional money managers through RBC Asset Management and the Access Manager Selection Program.
The portfolios are based on a highly disciplined approach specifically designed to remove the guesswork and emotion from investing.
One of the biggest challenges investors face is the natural, yet counterproductive emotional response to the inevitable ups and downs of the stock markets. Many investors unfortunately sell good stocks when the markets are generally going down, only to miss out when those same stocks bounce back. Sometimes, they hold onto a bad stock that's gone down in value for too long, unable to deal emotionally with losing money on the stock.
With our Separately Managed Accounts, emotional investing can be avoided. All buy and sell decisions are based on a discipline with clear logic and reason. It's an approach with proven results - consistently identifying stocks that should be selected for inclusion, leaving the weaker scoring companies out of the portfolio.
Portfolio mandates include:
Canadian Equity (CAD)
Canadian Balanced (CAD)
Global Equity (USD)
Once we have selected a mandate, we build your portfolio on a segregated basis. In other words, you directly own the stocks in your portfolio, which can provide significant benefits from a tax perspective.
When a stock is sold, there can be a capital gain or loss. Capital gains are taxable, but they can be offset with capital losses to reduce the net capital gain. With mutual funds, you have no control over when capital gains and losses are realized. However, with segregated discretionary portfolios, you can give instructions to realize capital gains and losses according to your personal tax situation. This enables you to potentially reduce your taxes.
You will be updated regularly on the progress of your portfolio. Our comprehensive reporting services include:
• monthly RBC Dominion Securities account statements;
• a special quarterly portfolio review, which details your overall portfolio results;
• complete annual tax-reporting package; and
• online account access.
