11. How to look at risk
Look at risk in historical terms…
Source: Statistics Canada
12. How to look at risk
Look at risk in historical terms…
Source: Bloomberg
13. How to look at risk
Look at risk in historical terms…
Source: Bloomberg
14. How to look at risk
Look at risk in historical terms…
Source: Bloomberg
15. How to look at risk
Combine assets to reduce risk…
16. How to look at risk
Combine assets to reduce risk…
17. How to look at risk
Combine assets to reduce risk…
18. Diversification is…not putting all your eggs
in one basket
• Spread your investments across multiple asset classes
• Diversify geographically
• Use multiple portfolio managers
19. What’s in your portfolio?
Think about your own personal investments:
GICs
Canadian
Savings
Bonds
Mutual
Funds
Bonds
Equities
Segregated
Funds
20. You need a plan
• What is the ideal asset allocation for you?
And the risk profile you want to have?
21. You need a plan
• What is the ideal asset allocation for you?
And the risk profile you want to have?
• What is your current asset allocation
of your portfolio? And its risk profile?
22. You need a plan
• What is the ideal asset allocation for you?
And the risk profile you want to have?
• What is your current asset allocation
of your portfolio? And its risk profile?
• What has to happen to get you from
your current to your ideal portfolio?
29. There is no need to go it alone
Professional advice makes for better decisions.
30. There is no need to go it alone
Professional advice makes for better decisions.
• Help create your plan
31. There is no need to go it alone
Professional advice makes for better decisions.
• Help create your plan
• Determine appropriate asset allocation
32. There is no need to go it alone
Professional advice makes for better decisions.
• Help create your plan
• Determine appropriate asset allocation
• Assess your current portfolio structure
33. There is no need to go it alone
Professional advice makes for better decisions.
• Help create your plan
• Determine appropriate asset allocation
• Assess your current portfolio structure
• Create a transition plan
34. There is no need to go it alone
Professional advice makes for better decisions.
• Help create your plan
• Determine appropriate asset allocation
• Assess your current portfolio structure
• Create a transition plan
• Keep an eye on your portfolio
35. There is no need to go it alone
Professional advice makes for better decisions.
• Help create your plan
• Determine appropriate asset allocation
• Assess your current portfolio structure
• Create a transition plan
• Keep an eye on your portfolio
• Educate and advise you
Thank you (Mr. and/or Mrs. name or first name if you know the person well). I appreciate your time and interest in learning more about saving and investing. I’ve been at this for a number of years and it is my belief that knowledge can give you the confidence to make greater strides in your savings program. Toward that end, today we’re going to talk about how you can reduce the risks associated with typical financial products - some of which you already own right now. The principle we’re about to talk about is probably one of the most important for anyone who is saving and investing. It’s called diversification. And, used appropriately, it helps reduce the risk to which you’re exposed. Because many people like to see concepts explained visually, I’ll take you through our discussion using a few illustrations that will communicate what we’ll talk about. As I go through this, please feel free to interrupt me and ask any questions you have. So let’s get going. (click for next slide)
