Investment Philosophy
DRAFTING A SOLID PLAN
You have considerable wealth and wish to protect and preserve what you’ve worked hard to accumulate. You also want your portfolio to grow. By striking the right balance between all the factors involved, we can help you find an acceptable compromise that satisfies both objectives.
There are numerous instruments and products designed to help your assets grow. But exploiting their full potential depends upon matching them with the right experience and expertise. That’s where we come in.
FOSTERING GROWTH WHILE MINIMIZING RISK
Our investment philosophy is to seek long-term capital growth with minimal exposure to risk and volatility. Thanks to the expertise and experience of our team of professionals, you will enjoy an asset management approach that will deliver a perfectly diversified portfolio that is mindful of your risk tolerance.
We will rebalance your portfolio periodically to keep it in line with your Investment Policy Statement, in order to further ensure that your strategy remains optimal over time.
MANAGEMENT COMMITTEE
We are not the only ones involved in the management of your portfolio. We are backed by a management committee made up of members who are experts in their field and have extensive investment experience, which they’ve acquired through the course of both bullish and bearish markets.
Our decision-making process is solidly abetted by a variety of internal and outside resources who are among the best in the country. Internally, we are in constant contact with financial analysts and economists, our institutional services department and our capital markets group, to stay in lockstep with the global financial situation.
Equally important to our decision-making process is the information we receive from outside sources, including independent firms the financial community depends on for analysis and reports.
DISCRETIONARY INVESTMENT MANAGEMENT SERVICES
In a constantly changing world, the inability to find the time to manage and optimize your investments could leave you vulnerable. We can remedy this situation thanks to our extensive discretionary investment management expertise, which our customers enjoy today.
A seasoned portfolio manager will monitor your investments daily and track the best opportunities.
You’ll receive regular followups from our team, so you can stay on top of your portfolio’s performance, market changes and our investment strategies.
THE SIX STAGES OF DISCRETIONARY INVESTMENT MANAGEMENT
Fully grasping your goals
The returns you’d expect from your investments, your risk tolerance, your investment horizon, your needs in terms of liquidity – these are all factors we’d want to discuss with you before assessing your situation.
Asset allocation and investment policy
We strive for optimal asset allocation based on your individual situation. For instance, your portfolio could include fixed income securities, equity securities, income trusts and real estate trusts or other types of alternative investments.
Optimization
We take optimizing the structure of our customers’ portfolios very seriously. This means that before every transaction, we assess the tax implications of our decisions. We endeavour to educate our customers on the importance of holding the right securities in the right accounts to reduce the tax bite as much as possible. We actually factor these considerations in our recommendations from the outset.
Implementation
This is where we hand you your personalized Investment Policy Statement that will form the framework for the management of your assets. We make sure the proposed plan is understood by everyone.
Active management
Asset allocation plays a key role in our asset management mindset.
Fluctuating markets, interest rates, geopolitical events – they all factor into our daily decision-making process when it comes to your investments. No matter what transaction we’re considering, we always rely on the Economic Value Added (EVA) approach, which measures the dollar surplus value created by an investment compared to what it cost. It’s how we make sure we can justify a stock’s price versus the risks it presents.
Monitoring
We value being a dependable resource for your investments and a partner you can always count on. Over and above the clear guidelines we establish together, we pledge to rigorously keep you abreast of your portfolio’s situation, makeup, performance and explain the variations in your investments.
ENVIRONMENTAL, SOCIAL AND GOVERNANCE (ESG) FACTORS
Our stock selection process incorporates environmental, social and governance (ESG) factors. We believe that companies that efficiently integrate ESG factors are able to create more long-term value for their shareholders than their competitors.
In addition, several studies demonstrate that companies that have ESG practices in place have better financial growth, more productive employees, lower expenditures due to greater efficiency. Furthermore, the studies show that those companies are less volatile and are less prone to legal actions and interventions.
OUR RESEARCH PARTNERS
Because financial aspirations and goals differ from customer to customer, part of our job is to find firms and partners that will produce results. In always striving to improve our services, we evaluate and select our collaborators with care.
Our selection process does take geographic borders into consideration, because what matters most is finding the right people for the transaction.
PRIVATE BANKING
The secret to our success involves, among things, being able to surround yourself with the best. Which is why we do business with the Private Banking team of professionals, who like us, strive for excellence and tirelessly seek to enhance the products and services they offer. Because they, too, specialize in wealth management, their cooperation and input enable us to fully meet our customers’ needs.