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Portfolio approach

A personalized, disciplined approach to help you achieve your goals.

A personalized, disciplined approach to help you achieve your goals.

For more than 100 years, RBC Dominion Securities has helped its clients achieve their financial goals by employing a disciplined process to investing known as the Portfolio Approach.

The basis of long-term, successful money management, the Portfolio Approach is predicated around creating a customized investment portfolio that reflects your investment needs throughout the various stages of your life. Working together with your Investment Advisor, you can implement the Portfolio Approach to achieve your financial goals.

There are four steps to the Portfolio Approach:

Step 1: Understanding your needs and goals

Your Investment Advisor’s first and most important job is to listen to you and understand your needs and dreams for the future. He or she will take the time to understand your specific investment goals, such as saving for retirement or financing a business, and the timeframes available to achieve them. In addition, your Investment Advisor will consider your return expectations and tolerance for risk. This “discovery process” doesn't end here—as time passes, and your situation changes, your Investment Advisor will work with you to ensure that your investment strategy remains current.

Step 2: Creating your investment policy statement

With an in-depth understanding of your personal situation, your Investment Advisor is able to create your investment policy statement. This document provides the framework for managing your financial assets going forward. It clearly sets out your investment objectives, income needs, timeframes, asset mix guidelines, security selection criteria and review process. Your investment policy statement helps keep your investment goals and preferences in clear focus. It also provides a benchmark for measuring the progress you’re making towards achieving your goals.

Step 3:  Building your custom-designed portfolio

Once you’ve approved your investment policy statement, your Investment Advisor can structure your personal portfolio.

In building a personalized investment portfolio for you, your Investment Advisor selects from a complete universe of investments from sources worldwide. This includes:

Your Investment Advisor also has access to leading-edge investment strategy and research provided by the RBC Investment Strategy Committee, RBC Capital Markets and third-party, independent firms.

You will also receive advice from the best Investment Advisors here at home and around the world, and will have a diversified portfolio that conforms to the guidelines and direction you set in advance. This process means you will receive specific, appropriate investment recommendations, and each recommendation will be clear and well thought-out.

Step 4: Managing your portfolio

The last step in the process is to monitor your progress towards your continued success. Your Investment Advisor will review your portfolio with you on a regular basis, and recommend appropriate changes to keep you on track. You will also receive detailed account statements, portfolio review statements, transaction updates and tax reports.

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