Asset Allocation Considerations for the High-Net-Worth Investor

Many believe that asset allocation is the single most important factor impacting investment returns. The famous 1986 investment return attribution study by Brinson, Hood and Breebower showed that asset allocation (not market timing) accounted for up to 90% of portfolio returns.

The typical investor must account for risk tolerance, time horizon and retirement needs when determining the mix of stocks, bonds and cash in their investment portfolio. The High-Net-Worth (HNW) investor may have to account for much more with respect to their personal investment criteria, including a considerably greater number of investment options available to them.

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Should You Relocate or Stay Put in Retirement? Financial Pros and Cons

You may be living in your most valuable asset—your family home—and contemplating whether or not to use it to help fund your retirement. In addition to emotional considerations, the financial aspects of the decision to relocate or stay put can be significant. This article explores the financial pros and cons to help you decide which “move” is best for you: relocate or stay put in retirement.

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Knowing Your Net Worth—Why is This So Important?

Your net worth is calculated as your assets (all that you own) minus your liabilities (all that you owe)—a snapshot of your financial position. People with substantial net worth, generally with more than 7 figures in liquid assets, are considered high-net-worth (HNW) individuals in Canada. How do you estimate your net worth and why is knowing your net worth important? Read this article to learn more.

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