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Can Robo-Advisors Really Meet All Your Investment Needs?

A robo-advisor is a digital platform that provides automated, algorithm-driven investment services with minimal human supervision. Robo-advisors first emerged in 2008 following the global financial crisis. Their purpose was to make investment advice more accessible and less expensive.

But does this hands-off approach to investing really meet all your investment needs?

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Is Personalized Investment Management for You?

As an individual investor you have unique financial needs and objectives. Therefore a generic financial plan will likely not work for you. This is where personalized wealth management come into play. With personalization, tailored financial strategies can be developed that cater to your needs to help better achieve your financial objectives and also have the flexibility to adapt to any changes in your financial situation.

What is Personalization

Personalization in investing is a concept that refers to the practice of tailoring your investment strategies and recommendations based on your unique financial goals, risk tolerance, and preferences. This can include factors such as age, income level, investment experience, and both short-term and long-term goals.

Why Personalization Matters

Personalization in your investment portfolio is important for a variety of reasons. By tailoring investment strategies to your individual needs, preferences, and risk tolerance levels, your portfolio can be optimized for better returns. Personalization allows you to focus on what truly matters to you and align your investments with your investing objectives.

By tailoring your portfolio to your risk tolerance, you can avoid unnecessary stress and potential financial harm. One key example showcases the importance of personalized risk management. A young investor with a high-risk tolerance might lean towards growth-oriented investments, while someone closer to retirement might prefer more conservative, income-generating assets. This customization helps in achieving the right balance between risk and return, aligning with the investor’s comfort level and financial goals.

Another reason personalization matters is that it allows you to align your portfolio with your values. This means you can choose not to invest in companies or industries that conflict with your ethical beliefs, and instead support businesses that do.

Lastly, investment personalization ensures your portfolio is not simply a random assortment of assets but a carefully curated selection of investments that resonates with your personal and financial aspirations.

How to Achieve Personalization in Your Portfolio

Achieving personalization in your investment portfolio is key to ensuring your investments align not just with your financial goals, but with your values, risk tolerance, and time horizon.

The first step towards personalization is defining your investment goals and understanding your risk tolerance. Goals can range from saving for retirement, purchasing a home, or building generational wealth. Each goal requires a different strategy as the time horizons involved can vary.

Understanding your risk tolerance involves an honest assessment of how much market volatility you can endure. Tools like risk tolerance questionnaires or speaking with a financial professional can provide valuable insights into your risk tolerance.

Next, consider the type of investing that reflects your personal values and goals. This includes considering various asset classes such as stocks, bonds, and real estate and the different sectors within each asset class.

Ultimately, achieving personalization in your investment portfolio is a dynamic process that involves ongoing review and adjustment. As your financial situation and goals change, you should review your investment strategy.

Working with a financial professional can provide personalized guidance and help you navigate the complexities of the investment world, ensuring your portfolio continues to reflect your unique goals and values over time.

Personalize Your Portfolio with Bloom

If you are looking for an investment firm to help you achieve a personalized investment portfolio, our team at Bloom can help. For over 25 years, we have provided wealthy individuals, corporations, family offices, institutions, trust and foundations with actively managed, customized Canadian and U.S. dividend-paying portfolios. We would be happy to connect with you and get started on your investment plan. Call us at +1–416–861–9941 or email us at info@bloominvestmentcounsel.com


This content is provided for general informational purposes only and does not constitute financial, investment, tax, legal or accounting advice nor does it constitute an offer or solicitation to buy or sell any securities referred to. Individual circumstances and current events are critical to sound investment planning; anyone wishing to act on this content should consult with his or her financial partner or advisor.

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