First meeting
We discuss your investment needs and goals during our first meeting. This preliminary step is vital to our management efforts and allows us to study your current portfolio in detail. It also enables us to go talk about your:
- Financial situation.
- Personal, financial and investment goals.
- Risk tolerance.
- Investment horizon.
Investment policy
We formulate an investment policy that meets your expectations, goals and needs. We specialize in techniques that minimize portfolio volatility and let you enjoy attractive returns while benefitting from excellent stability. We also employ an investment strategy that takes into account your fiscal structure, occasional or periodic withdrawals and types of accounts under management. The investment policy and strategy that we select with you addresses your situation and type of account, to minimize taxes and to maintain a good risk-return ration. We offer the same investment products as TD Bank:
- Unregistered personal and corporate accounts
- Trust accounts
- Registered accounts, including RRSPs, LIFs, URCs, PPDs, TFSAs, RESPs, etc.
Periodic Review of Your Portfolio
We constantly review and adjust your portfolio's composition as necessary to ensure that it complies with your investment policy. Any changes factor in the current economic situation and are aimed at reducing risk. No account modifications will boost risk without the client's permission.
We use special applications to tailor portfolios to the economic situation and quickly respond to manager forecasts. This technique also alerts us to any possible deviation from the investment policy. Our monitoring process also ensures that no company or sector will take up too large a share of your portfolio.
Meetings and Reports
Our periodic meetings let us study portfolio evolution and oversee the work of our managers. They also let us review your situation and make necessary tweaks to your investment policy in line with your goals. Our entire staff of four portfolio managers, four assistants and our partnership with Gestion financière privée LP is also at your disposal. We provide the following services to ensure that you always have maximum information about on your investments on hand:
- Our managers are available to answer your questions by telephone.
- Meeting with your advisors.
- Online access to your account on TD Waterhouse's secure site.
- Monthly investment statement from TD Waterhouse containing a detailed description of your portfolio and the month's transactions. This lets you keep an eye on your portfolio's asset allocations, risk levels, charges and performance.
- Globevest Capital's Quarterly Report presenting portfolio performance and the benchmark index (on request).
- Info-Globe: E-publication that outlines the quarter's highlights (on request).
Transaction and Management Fees
Our management fees are among the industry's lowest. They are far less than those of most mutual funds, private investment management firms and private management divisions of large banks. Our fees cover management of your portfolio, an annual review of your financial goals and information. We can offer such low fees because:
- Our computer systems provide overall management, including batch transactions.
- We keep costs down.
Withdrawals and Contributions
Please also note that periodic withdrawals from one or more accounts (RRSPs, LIFs, etc.), as well as payments or contributions to your accounts can be made automatically at no charge. Just call us when you wish to withdraw.
No Conflict of Interests
Managers are paid solely from the management fees you pay, based on your assets and not transactions. We receive no commissions from any other parties (mutual funds or brokers). Equities trades are only made in line with your interests.
