How A Personalized Investment Portfolio Can Be Created For You

Your financial situation and objectives are unique, and so your investment portfolio should be too. This article explains what a personalized investment portfolio is and how one can be created for you.

What Is A Personalized Discretionary Investment Portfolio?

A personalized discretionary investment portfolio is a professionally managed investment portfolio overseen and rebalanced by a professional portfolio manager. Depending on your unique financial situation and objectives, your customized portfolio solution will comprise a range of different assets. Typically, you will pay a flat account fee or a sliding-scale account fee based on the size of the portfolio. Fees shouldn’t be complex—ensure you request a breakdown, so you know exactly what you are paying, when you will be paying, and why you are paying.

How A Personalized Investment Portfolio Can Be Created For You

A personalized investment portfolio can be created for you by establishing an appropriate asset allocation to achieve your financial objectives, within certain parameters based on your financial situation and level of acceptable risk.

While every investment management firm’s investment approach varies depending on its methodology and client preferences, creating a personalized investment portfolio typically follows the same steps.

Here is an example of Bloom Investment Counsel’s Personalized Portfolio Building Process:

1. Understand

We will work together with you to understand your unique long-term financial needs, objectives and goals, as well as preferences and constraints on your invested capital.

2. Define

We construct and define an Investment Policy Statement, in alignment with our planning, to construct a portfolio that balances cash flow and growth, while minimizing risk to provide superior total risk-adjusted returns.

3. Deliver

We will construct your personalized portfolio that balances growth and cash flow (if needed), integrating market conditions and security-specific dynamics, to deliver on your unique long-term financial needs, objectives and goals.

The Bottom Line

Ensure that you are in line with your investment manager’s methodology and approach, so that you have complete trust in your investment manager and that your “personalized” investment portfolio is indeed “personalized” to meet your financial objectives.

Bloom Investment Counsel, Inc. is a well-established Toronto-based independent, privately-owned boutique investment management firm providing customized, actively managed, Canadian and U.S. dividend-paying portfolios for wealthy individuals, family offices, foundations, corporations, institutions and trusts.

Founded in 1985, Bloom has experience in managing in excess of $2.5B in assets over the years. We believe that generating independent cash flow is central to the success of our clients’ portfolios because it provides capital for the present day, if needed, while continuing to preserve and build wealth for the future.

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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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