Model Portfolio

The model portfolio is an example balanced growth-oriented investment portfolio that reflects our investment philosophy. The rates of return are the real performance of segregated fund investments made for our clients. We use the model as a starting point for investment planning, which is then customized to meet your particular needs and goals. Please be advised that past performance is no indication of future results and individual results will vary based on timing and other factors.

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Asset Class
Fixed Income
Dividend Stock Funds
Growth Stock Fund
Portfolio Total
TOTAL PORTFOLIO
RESPONSIBLE
Responsible Moderate
Responsible Balanced
Responsible Growth
MODEL
Suggested Funds
Global Fixed Income Fund
Canadian Dividend Growth
Global Dividend
Canadian Small Cap
Global Infrastructure
US Technology Oriented
5 Calendar Yr Avg. ROR
8.99%
ALLOCATION
INVESTING
Bonds/Stocks
50%/50%
40%/60%
20%/80%
$87,897
Amount
$26,369
$17,579
$8,790
$8,790
$8,790
$17,579
$87,897
STOCKS
70.00%
SOLUTIONS
Avg Ann. Growth*
3.35%
5.31%
6.44%
PORTFOLIO
Allocation
30.00%
20.00%
10.00%
10.00%
10.00%
20.00%
100.00%
BONDS
30.00%
PORTFOLIOS
$10,000
YTD
18Aug2026
-1.45%
14.06%
6.84%
20.57%
6.45%
18.17%
9.40%
$170,842
YTD
18Aug2026
1.10%
1.66%
2.03%
2025
6.98%
17.40%
6.45%
21.73%
12.49%
11.74%
11.99%
$156,167
2025
2.44%
3.86%
5.00%
2024
3.11%
15.27%
17.69%
9.92%
12.28%
32.98%
14.57%
HYPOTHETICAL
$139,449
2024
6.20%
8.46%
9.46%
2023
5.87%
5.35%
3.31%
12.22%
-2.20%
46.11%
13.39%
$121,713
2023
6.01%
7.42%
7.94%
Example
2022
-8.27%
-7.28%
-17.57%
-10.46%
-3.60%
-29.51%
-13.00%
PORTFOLIO
$107,344
2022
-14.78%
-15.20%
-15.91%
2021
-0.27%
15.61%
8.50%
7.50%
8.32%
22.47%
9.97%
GROWTH
$123,386
2021
3.34%
5.50%
6.66%
Investment
2020
2.30%
0.81%
10.12%
3.12%
-0.43%
41.51%
10.44%
$112,203
2020
10.12%
14.23%
16.76%
2019
5.09%
14.77%
18.25%
13.10%
23.41%
28.17%
15.59%
$101,601
2019
10.10%
12.92%
15.16%
Risk
Rating
Low
Low to Moderate
Low to Moderate
Moderate
Moderate
Moderate to High
$87,897
Low to Moderate
Low to Moderate
Low to Moderate

NOTES:

  • Performance %s are net of all fees

  • Portfolio Performance assumes rebalancing on January 1st of each year.

  • Individual Investor performance will vary depending on the timing and management choices.

  • This is an example of a simple portfolio encompassing all accounts (e.g. RRSP, TFSA, RRIF, etc.).

  • The model is a long-term-growth-oriented portfolio with low to medium risk, a good starting point for discussion.

  • Additional funds would be added or subtracted to match individual risk tolerance, income, and liquidity requirements.

  • All Model Portfolio Funds are Guaranteed to pay 100% of net invested funds, or the highest reset value, to your estate.

  • *Portfolio Averages assume YTD is full-year Performance, i.e. YTD performance has an outsized impact on Average return.

  • Click the appointment calendar button below if you would like to discuss investment strategies to fit your needs and goals!