Investing with
Bloom Investment Counsel:

Personalized Investment Portfolios to Provide Stable Cash Flow

Our Approach

Bloom’s investment approach is centered around our belief in the long-term benefits of income-generating investments, specifically dividend-paying stocks.

For high-net-worth individuals and families, our investment approach can not only protect and preserve net worth, but also provide income that can be used for retirement, philanthropic ambitions, and more, without the need to withdraw from capital.

For endowments, foundations, corporations, institutions, trusts, and more, our investment approach can provide a more tax-efficient strategy because dividend income can attract a lower tax rate. Income may also be used to fulfill the mandatory disbursement requirement for a foundation.

If an additional income stream is not necessary, we will reinvest the generated income, with the portfolio continuing to grow through our long-term investment approach.

The Benefits of Dividend Investing

Dividend-paying stocks have not only been less volatile but have also outperformed the broader market over many decades. Volatility in stock markets makes it difficult for investors to preserve their capital while attaining a reasonable level of income. Dividend-paying stocks can provide this level of income.

In a low-interest rate environment, interest payments on fixed-income investments such as GICs are often insufficient to keep pace with the rate of inflation given that their income payments are fixed and do not increase with inflation. Dividends, on the other hand, can be (and often are) increased based on earnings that grow with inflation. Investing in dividend-paying stocks can therefore help you stay ahead.

Investing in Canadian dividend-paying stocks substantially increases the after-tax rate of return for Canadian taxable investors given that Canadian eligible dividends are taxed at a lower rate than other income.

Companies that pay dividends need to set aside cash for this purpose. This requires more financial discipline of management, given that a significant amount of cash flow is already dedicated to dividends and distributions. This discipline can result in more carefully considered and effective financial decisions.

Our Personalized Portfolio Building Process

We believe that every client deserves individual attention and a tailored investment plan. We will work with you to understand your unique financial situation, define how we will proceed and deliver an actively managed, customized dividend-paying portfolio to meet your financial needs and help you achieve your goals.

01

Understand

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

02

Define

We will define an Investment Policy Statement for you that captures all the personalized considerations that must be taken into account in your portfolio. This is a governing document that sets appropriate guidelines on your customized portfolio construction and our ongoing portfolio management to ensure your needs are met.

03

Deliver

We will construct your customized portfolio which balances growth and cash flow (if desired), integrating market conditions and security-specific dynamics, to deliver on your unique long-term financial needs and objectives, as identified in step 1.

Bloom’s Here to Help

Still have questions about our investment approach or investing in the stock market? Here is a guide to dividend investing and some answers to some frequently asked questions, to reassure you that you are making the right decision when you choose Bloom as your personal, independent investment manager.

We understand that investing may only be a part of your financial picture. That is why we are delighted to work with your existing trusted professionals to help you manage your money.

Choosing or changing an investment manager is a big step for any high-net-worth individual, family office, endowment, foundation, corporation, institution, and/or trust, so let’s talk about how we can help you meet your unique needs and goals.

Bloom’s Investment Overview

Bloom Investment Counsel, Inc. distributes quarterly investment overviews to high-net-worth individuals, family offices, foundations, corporations, institutions, and trusts on our email subscription list. If you would like to be added to our subscription list, please enter your details below.





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