When we develop and manage your portfolio we employ a consistent,
time-tested approach to ensure the investments chosen are right for
you. Ongoing monitoring, risk management, and periodic rebalancing
play a key role in the process. Adjustments are made as needed to
work towards achieving the long-term objectives of the portfolio.
We identify asset classes for inclusion in your portfolio that
produce broad diversification at a low cost using index tracking
ETFs. Asset classes are selected carefully to minimize
correlation between each other, thus minimizing short-term
volatility while maximizing long-term performance.
To ensure your portfolio is tailored to your goals and tolerance
for risk, we quantitatively optimize each asset class in the
portfolio to determine appropriate weightings. This allows us
to maintain high returns for a given level of risk. The result
is an optimized asset allocation that is just right for you.
We prefer to use ETFs in our portfolios. ETFs are efficient to trade,
are generally low-cost, and are typically designed to track the
movement of market indices. When selecting ETFs we look at the
cost, performance and history of the ETF. In every case we want
to choose the best-in-class ETF for each asset class in your
We continuously monitor and automatically rebalance your portfolio
in line with your asset allocation. While we take a largely passive,
cost-conscious, approach to investing, we are constantly tracking
the markets, key macroeconomic data, inflation and interest rates
around the world. Adjustments will be made to ensure your portfolio
is always delivering a consistent level of performance and risk.
We'll even make suggestions on ways to save more to help you
minimize your taxes and make better use of tax efficient accounts
like your RRSP and TFSA. It's all part of being a WealthBar client.