Investing with
Bloom Investment Counsel:

Personalized Portfolios to Provide Stable Cash Flow

Our Methodology

At Bloom, we seek an overall total return approach for our clients through capital gains and dividend income. We aim to generate desired income when required without impacting original capital—so that your money is working for you. Further, we endeavour to protect your original investment through our Three Step Wealth Building Process.

Our Approach

Whether it is a desire to have a steady stream of income for your retirement, to provide annual charitable donations or simply to have an independent form of cash flow we believe investing in dividend paying stocks can meet these objectives.

Bloom’s investment approach is centred around our belief in the long term benefits of investing in dividend paying stocks. Our conviction is based on the fact that we believe these types of investments help to provide our clients with comfort when investing in the stock market:

Concern Over Market Volatility

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

Benefits to Canadian Taxable Investors

  • Substantially increases the after tax rate of return for Canadian taxable investors given that dividends are taxed at a lower rate than other income.

Discipline on Corporate Management Teams

  • Places more control in the hands of investors for new equity financing to undertake expansion and acquisitions. 
  • Less flexibility by management for free cash flow deployment as a significant amount of cash flow is already dedicated to dividends and distributions.

Higher Levels of Income in a Low Interest Rate Environment

  • Interest on GICs and other short term fixed income investments is insufficient to keep pace with the rate of inflation further illustrating the benefits of using dividend paying investments as a form of income. 

Our Three Step Wealth Building Process

We take a personalized approach to your investment needs.

01

Understand

Together we will map out your key objectives, timelines, and constraints to capture and understand all considerations that must be met and accounted for in how we deploy your capital.

02

Define

Construct and define an Investment Policy Statement, providing cash flow if required, 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.

03

Deliver

Implement your portfolio strategy integrating market conditions and security-specific dynamics, while leveraging our relationships with key partners to achieve best price execution as we initiate the necessary positions to deliver on our objectives.

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