Everyone should have access to quality investment management at a reasonable cost. Many financial institutions require minimum amounts to invest and only offer their own proprietary investments. I don't have minimums and have full indepence to build portfolios without bias.
I believe it is important to be invested alongside the people who hire me to manage their investments. My core values are consistency, transparency, and simplicity. If you are curious about the costs, performance, or risk of your current investments, feel free to schedule a no obligation portfolio review.
"Everything should be made as simple as possible, but not simpler"
- Albert Einstein
Though some of the investment vehicles employed may be sophisticated, portfolios are constructed in a disciplined, easy to understand manner using proven strategies.
"It's tough to make predictions, especially about the future"
- Yogi Berra
The best way to deal with uncertainty is to be prepared for a variety of outcomes. The table below shows that the worst performing assets in a given year are often the among best performing the following year. Being diversified and rebalancing ensures you buy low and sell high.
Invest Like a Pension Plan
The most common goal people have is to save for retirement. Pension fund assets were approximately USD$38.5 trillion at the end of 2021 according to the OECD Global Pension Statistics Project. It makes sense to pursue an investment strategy similar to the largest managers of retirement assets in the world.
Below are the asset allocations of the Canadian Pension Plan and the Ontario Teachers Pension Plan. One thing pension managers have in common is their allocations to assets other than stocks and bonds. Real assets, private credit, and alternative strategies make up an impactful part of their overall assets. These alternative assets help reduce volatility and improve risk adjusted returns.
Human Advice for the Price of a Robot
Canadians pay some of the highest investment costs in the world. Often times you're faced with the choice of high costs for quality advice or low costs for no advice. Worse is if you are paying a high cost and receiving little value. My goal is to provide competent, trustworthy advice for a fraction of the cost you would pay at a large financial institution.
