Let's start with you. Since I am accepting new clients by referral only, you'll already have a pretty good idea of what to expect from the person who directed you here. What I expect from you is a willingness to learn and to take on the responsibility of managing your own portfolio. Experience with direct investing through a discount broker is usually a good sign that you are ready.
If you are like a typical client, you are at a stage where the time for investment experimentation is over and it is time to treat retirement savings as serious business. After a series of disappointments you realize that the best person to look after your own financial affairs is yourself but from past experiences you also know that you need help along the way.
I have found over the 15 years since I started my investment advisory service that regardless of age, gender, investment knowledge or even amount of investable assets we are all not that different when it comes to investing. We all like to make money but just hate losing it. We overestimate our risk tolerance until we start losing. When it comes to service, when we have questions or need help, we don't want to wait for days hoping for a response. And we certainly don't want to be passed off to someone else after becoming a client. But less evident is that commonality extends to the design and construction of investment portfolios.
Surprisingly, most of us are best served by a simple low cost global balanced investment portfolio supplemented by blue-chip dividend paying stocks purchased at bargain prices.
There is no magic to self-directed investing and it certainly doesn't require any special talent that only a chosen few will ever possess. Instead, it is more about wanting to learn, being curious, controlling emotions and a bit of hard work. The process requires that you:
The introductory information that you will
A Self-Managed Investment System.
In just 30 pages you'll learn everything you need to know to get started
setting up your own Balanced ETF Portfolio. You'll learn that it really
is an all-encompassing system that offers more opportunity for
customization than a simple asset allocation model. If you want,
you can add blue-chip dividend paying individual company stocks when
they are trading at historic under-valuations or even control downside
risk when required. To give you an
idea of what to expect, here is its
Very much part of this system are two newsletters that I use to keep you informed on what I think is timely and important. They are about not only investing but also personal financial matters and how I am acting myself on that information. Capital Ideas scrutinizes topical subjects and puts them to the type of agenda-free analysis that they may have not been subjected to in the past. When it comes to money, there is a lot of myth and lore that is perpetuated by interested parties but that has no basis in fact. Here is an example of a Capital Ideas report published for clients in September 2015 called Spinning Straw Into Gold.
In my companion publication Permanent Alert I put my research into practice by disclosing how I am using that information with my own money. How many people do that? Here is an example of a relatively recent purchase. Permanent Alert is also a vehicle for passing along the rare article or interview that I feel is worthy of attention.
My efforts are directed at stock market research and sharing my findings privately with clients through my newsletters. In the rare instances that I have been in the media I have been fortunate to have had my work published in reputable publications. Here are a few examples from over the years:
Journal of Financial Planning
The initial 12 month subscription to my newsletters is $630.00 (CAD) that includes all taxes. You'll receive the introductory manual A Self-Managed Investment System along with any guidance you may require from me. Subsequent 12 month subscription renewals are only $315.00 (CAD). To get started right away payment can be made through INTERAC e-Transfer.
It is almost certain that you will recover the amount in savings or enhanced returns many times over by implementing just one of the recommendations or strategies presented in these publications over the course of any given year.
But I feel that before starting any investment program one should have the basics covered. Most people would be better off establishing an emergency fund that covers at least six months of expenses and using any additional savings to pay off personal debt before considering investing. So if you think you are ready and need more information, you know how to contact me through the person who introduced us.
What this means is that most investors do not need costly and elaborate investment plans to meet their goals. Instead they can manage their own holdings using a common portfolio design and construction supplemented by an investment newsletter for additional guidance when needed. All with the substantial savings passed on to you.
Now about me. Early in my career I worked in financial management positions for two multi-national corporations located in Canada. For the last 30 years I have been a full-time investor performing my own original research and for the past 15 years have been sharing what I have learned with my clients.
I currently hold designations as a Certified Financial Planner (CFP®) and Chartered Investment Manager (CIM®). My earlier formal education includes a MBA with academic honours from a major Canadian university. Before moving to the Okanagan Valley of British Columbia and devoting myself full-time to this business, I was a Certified Management Accountant (CMA) and a Trading Member of the Toronto Futures Exchange.
The chart also displays the Balanced ETF With Risk Control (red line) from 2007 onwards. That is when I added the alternative of using protective strategies to protect the value of the portfolio against market declines disclosed through my newsletter Permanent Alert.
Keep in mind that this chart shows the performance for those who elect to just use the Exchange Traded Fund portion of the portfolio. If you choose to add blue-chip dividend paying stocks here is a summary of their added value from our most recent November annual review : 2017 Annual Review of Bond Substitutes, Special Situations, Risk / Return & Rebalancing