RJR Financial

Investments

Retirement portfolios are designed to provide a lifetime of income. But over a lifetime, they face the treacherous storms of a continually shifting investment climate!

In recent months, dark clouds have been gathering on the horizon – inflation, a slowdown in global economic growth, sub-prime woes, and down side market volatility. And after a bull run the Canadian stock market stumbled severely this past summer causing many investors to rethink their tolerance for volatility. However, there are a number of financial strategies and products that can protect the value of retirement investments, and smoothing volatility in our client’s holdings. And while we can’t control the markets, we CAN control how you interface with them……

For that reason, EVERY PRODUCT WE SELL HAS A GUARANTEE, and that applies to your investments.

We believe that you still have to maintain your faith in a prosperous retirement. In order to reap the benefits of careful planning, you must be invested. We utilize secure investments and establish well defined benchmarks to ensure that our client’s portfolios deliver what’s expected.

We offer a complete range of insurance backed investment products and services, accessing some of the top carriers in Canada, shopping the marketplace to find the most competitive and best designed financial instruments. Whether you are looking for simple GICs, investment funds, or tax-sheltered investments, we bring the best of the market leaders to you in terms of both registered and “open” investments.

One of the hottest products in Canada today is Segregated Funds. These are the Insurance companies' version of a mutual fund, but with some distinct differences that can translate into a retirement advantage for you. There appears to be some misinformation about them concerning management fees and performance. In reality they are very competitive. Be sure to check these out!

Whether you are planning your retirement, have been downsized and offered a severance package, are about to retire, or are already retired, our combined expertise and product lineup offer you unparalleled opportunity to maximize your retirement income potential.

When people buy investment funds without a written investment plan, we often find that they have many funds from various sources that are very similar in investment style. Even though these funds are from several well-known fund companies, and the funds may sound different, in effect they are remarkably similar, resulting in an anomaly called “perfect positive correlation”. This leads to a significant an unnecessary increase in volatility and lower-than-possible returns over the long haul. The result tends to be a very disorganized portfolio that has been put together on an ad hoc basis.

Our proven Portfolio Tune-up service cleans up your portfolio and gives you a written investment policy statement (IPS) so that you can feel confident that you have a portfolio that meets both your short-term and long-term return expectations.
This way, we can help you effectively conserve and multiply your wealth.

We can help you through the often-difficult process of determining your goals, and creating a plan you can live with to turn your goals into reality. Whether you are planning your retirement for some point in the future, or if you are already retired, we have the resources to assist you.

Key benefits we provide:

Helping you determine and clarify your goals
Assisting you to devise a "Road Map" to crystallize your goals
Portfolio analysis
Asset allocation
Portfolio selection
Portfolio maintenance

Recovery: is your portfolio ready?

It’s the most underrated component of portfolio management. It’s blindingly simple, yet devastatingly effective. And it’s something that – unfortunately- very few investors actually do. No, we’re not unveiling a little know stock picking tool, or an arcane hedge fund strategy. We’re talking about the tried-and-true strategy of rebalancing your portfolio – regularly adjusting allocations to keep your asset mix on track. That may sound familiar, but ask yourself this: When was the last time you rebalanced?

First of course, you need an allocation plan (pdf document*, 1.2MB). We can help you with that. You may already know this, but it’s worth repeating: One of the biggest benefits of rebalancing is that it reduces your risk of steep losses.

Having seen the worst markets in the past 50 years, many investors are understandably wary and disappointed. Yet every slump in history has been followed by significant gains. The keys are being invested properly through complete diversification and staying invested (pdf document*, 73KB). This being the case, you need to ensure that your portfolio is poised to take advantage of any future up-ticks. Let us review your portfolios to ensure they are properly structured. We will provide you with a written investment policy statement so you can be comfortable in the knowledge that your portfolio has been restructured to meet both your short term and long term goals.

Download a brochure (pdf document*, 21KB) that highlights the market slumps and recoveries from 1975 to 2002.