Steadyhand Portfolios
Your asset allocation - the breakdown of your portfolio between stocks, bonds & cash - is one of the most important investment decisions. Equity-oriented portfolios stand a better chance of producing higher long-term returns, while portfolios heavily weighted in fixed income assets tend to produce less volatile, albeit lower, returns.
Our focus here is to provide recommendations as to how you can build a portfolio of Steadyhand funds that is best suited to your needs. The portfolios below are hypothetical model portfolios. They represent a suggested mix of funds designed to meet the objectives of various types of investors.
We also offer an all-in-one solution for balanced investors in the form of our Founders Fund. The fund is designed for investors with a strategic asset mix of 60% stocks / 40% fixed income. It's ideal for those who seek Tom Bradley's oversight on asset allocation and rebalancing decisions.
If you'd like some assistance in custom tailoring a portfolio for your needs, we offer simple, clear-cut advice. Just give us a call at the number underneath the handsome mug to your right.
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Income
You have a low tolerance for investment risk and primarily seek current income with some potential for capital growth from your portfolio. Consider building a portfolio of Steadyhand funds in the following proportions:
The Income Fund is recommended as a core holding, as its mix of income-producing securities - including government and corporate bonds, and to a lesser extent, dividend-paying stocks and REITs - provides you with a reasonably stable level of income, capital preservation and some inflation protection. The Savings Fund is included to provide you with a stable stream of current income, while the equity funds are added as a measure of diversification and inflation protection. As well, a small equity position within a fixed income portfolio helps reduce its volatility of returns.
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Balanced Income
You have a low to moderate tolerance for investment risk and seek modest capital growth and capital preservation from your portfolio. Consider building a portfolio of Steadyhand funds in the following proportions:
The Income Fund is recommended as a core holding, as its mix of income-producing securities – including government and corporate bonds, and to a lesser extent, dividend-paying stocks and REITs – provides you with a reasonably stable level of income, capital preservation and some inflation protection. The equity funds are added to provide capital growth potential and additional inflation protection. The equity weighting of the portfolio is higher than is typical for income-oriented portfolios, as a portion of this component is comprised of REITs and securities with a dividend focus (through the substantial position in the Income Fund).
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Balanced Equity
You have a moderate tolerance for investment risk and you seek capital growth from your portfolio, with less volatility than a portfolio heavily weighted in equities. Consider building a portfolio of Steadyhand funds in the following proportions:
The Income Fund, Equity Fund and Global Equity Fund are recommended as core holdings. The Income Fund gives you a meaningful allocation to income-producing securities in order to reduce your portfolio’s volatility of returns. Because a portion of this fund is invested in dividend-paying stocks and REITs, the portfolio's weighting in equities is higher than is typical for balanced portfolios. The Equity Fund and Global Equity Fund provide you with concentrated exposure to Canadian, U.S. and overseas equities of all capitalization ranges, while the Small-Cap Equity Fund provides exposure to smaller companies.
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Growth
You have a high tolerance for investment risk and you seek considerable capital growth from your portfolio. Consider building a portfolio of Steadyhand funds in the following proportions:
The Equity Fund and Global Equity Fund are recommended as core holdings in order to provide you with diversified exposure to Canadian, U.S., and overseas equities of all capitalization ranges. The Small-Cap Equity Fund provides you with exposure to smaller companies, while the Income Fund is added as an additional measure of diversification (bonds tend to have a low correlation to stocks), and to help reduce volatility.
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Aggressive Growth
You have a high tolerance for investment risk and volatility and you seek considerable capital growth from your portfolio. Consider building a portfolio of Steadyhand equity funds in the following proportions:
The Equity Fund and Global Equity Fund are recommended as core holdings in order to provide you with diversified exposure to Canadian, U.S., and overseas equities of all capitalization ranges. The portfolio does not have a strategic weighting in fixed income investments, as bonds tend to produce lower long-term returns than equities. The absence of a fixed income position increases the portfolio’s potential volatility of returns.
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