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.

Asset Class
Fixed Income
Value Oriented
(Hybrid 25/75 Bonds/Stocks)
Growth - 100% Stocks
Portfolio Total
TOTAL PORTFOLIO
RESPONSIBLE
Responsible Moderate
Responsible Balanced
Responsible Growth
MODEL
Suggested Funds
Canadian Conservative
Canadian Dividend Hybrid
Global Dividend Hybrid
Global Infrastructure
US Technology Oriented
5 Calendar Yr Avg. ROR
ALLOCATION
INVESTING
Bonds/Stocks
50%/50%
40%/60%
20%/80%
$100,000
Amount
$20,000
$20,000
$20,000
$20,000
$20,000
9.07%
STOCKS
70.00%
SOLUTIONS
Avg Ann. Growth*
3.50%
5.56%
6.68%
PORTFOLIO
Allocation
20.00%
20.00%
20.00%
20.00%
20.00%
BONDS
30.00%
PORTFOLIOS
$10,000
YTD
20Jan2025
-0.32%
1.70%
1.75%
4.16%
1.60%
1.78%
YTD
20Jan2025
0.28%
0.68%
0.90%
2024
2.36%
15.27%
17.69%
12.28%
32.98%
16.12%
$160,979
2024
6.20%
8.46%
9.46%
2023
4.64%
5.35%
3.31%
-2.20%
46.11%
11.44%
5 YEAR
$138,636
2023
6.01%
7.42%
7.94%
Example
2022
-13.22%
-7.28%
-17.57%
-3.60%
-29.51%
-14.24%
HYPOTHETICAL
$124,402
2022
-14.78%
-15.20%
-15.91%
2021
-4.39%
15.61%
8.50%
8.32%
22.47%
10.10%
PORTFOLIO
$145,052
2021
3.34%
5.50%
6.66%
Investment
2020
6.63%
0.81%
10.12%
-0.43%
41.51%
11.73%
GROWTH
$131,743
2020
10.12%
14.23%
16.76%
2019
4.97%
14.77%
18.25%
23.41%
28.17%
17.91%
$117,914
2019
10.10%
12.92%
15.16%
Risk Rating
Risk Rating
Low
Low to Medium
Low to Medium
Low to Medium
Medium
$100,000
Low
Low to Medium
Low to Medium

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!