Toronto Investment Planning

17 years of caring

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Warren Buffet once famously said, “Investing is simple, but not easy”.  I tend to agree with him and one of our primary roles with clients is helping them stay focused on the five keys to a successful investment experience. 

There are 5 keys to investing:

1. Act Goal Based

Goal based investing an investing methodology focused on achieving defined personal financial goals rather than achieving maximum returns or exceeding market returns.  Most investors don’t know what return they need in order to meet a specific goal, and rather than invest to achieve that return with the least amount of risk, they strive to maximize returns, often taking on more risk than necessary.

Our work with clients helps to prevent rash decisions by providing a clear process for identifying goals and choosing investment strategies for those goals.  We work with clients to keep them focussed on the goals and the sensible strategies rather than on return chasing.

2. Resist chasing past performance

Our clients know that it is impossible to consistently predict which market segments will outperform from year to year.

We help our clients understand the importance of holding a globally diversified portfolio so that they are well positioned to capture returns wherever they occur.

3. Manage Your Emotions

Many people struggle to separate their emotions from investing. Markets go up and down. Reacting to current market conditions may lead to making poor investment decisions at the worst times.

We help our clients feel confident in their investment strategy during times of market stress.  We advocate regular and timely portfolio rebalancing which helps keep investors disciplined during cyclical highs and lows.  Rebalancing also ensures that clients overall risk profile is respected at all times.

Time and again research has proven that investors underperform their investments.  Let me repeat that….investors underperform their investments.  This occurs because many investors invest after a period of high returns and sell after a period of low returns rather than establishing a strategy and sticking with it through a full economic cycle.

4. Don’t confuse entertainment with advice

Daily financial news and “expert” commentary will test your investment discipline. Some messages prey on your anxiety about the future, while others promise a path to quick, easy wealth. If you are tempted to act, consider the source and know the difference between entertainment and real advice.

We ask our clients to send us the articles they read that interest or concern them. We are able to put the information into context as it relates to their specific circumstances.  If not relevant to them, we explain why, and for those articles that are relevant, we explain why and what, if any action, is warranted.

5. Focus on what you can control

We keep clients focussed on controllable factors such as:

  • Their saving levels – the more you save, the lower the return required to meet your goal
  • Their spending levels – the less you spend the lower the return required to meet your goal
  • Their asset mix
  • Their emotions during times of volatility
  • The tax efficiency of their portfolio
  • The investment advisor they choose to work with

Professional Investment Planning advice goes a long way to creating a sound investment portfolio.

We analyze your risk-return profile, your current investment portfolio and provide ongoing counsel to optimize your earning potential.

About Queensbury

Queensbury was formed in 1987 by a group of seasoned planning and investment professionals. Since inception Queensbury has been a financial services industry leader, offering a coordinated single source for the planning, insurance and investment needs of individuals.

This unique pool of human resources, together with state of the art technology, gives Queensbury clients access to expert advice on a comprehensive range of financial services.

For more information about Queensbury, please visit our corporate site at www.queensbury.com.

* See attached disclaimer.

 

 

 

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