Investment Advisory
Optimize and Maximize your finances with personalized investment advice and managed accounts. Our team provides expert insights and strategic guidance empowering you to make informed decisions with your hard-earned savings.
Tailored Portfolio
Get a customized investment plan designed to meet your unique financial goals and risk tolerance for optimal growth.
Risk Management
Safeguard your investments with strategies that identify and mitigate risks for long-term stability.
Fees & Transparency
Enjoy clear and straightforward fees with no hidden costs, ensuring full transparency in your financial journey.
Taxation
Optimize your returns with tax-efficient strategies that minimize liabilities and maximize benefits.
Building a Tailored Portfolio
Creating effective portfolios in today’s market can be challenging. Our clients rely on our team’s expertise in building and maintaining portfolios tailored to meet their investment goals.
Familiarity with Every Line on Your Statement:
A portfolio is more than a collection of securities. Each line must serve a purpose and be thoughtfully selected. Our team performs thorough research to identify factors that influence performance.
Institutional Style Management:
By collaborating with top external money managers, we ensure optimal investment mandates across all asset classes, selecting the best options for each client's portfolio.
Top-Down Strategy:
Asset class selection is crucial to your returns. We keep up with macroeconomic indicators to create all-weather portfolios that withstand various market conditions.
Bottom-Up Approach:
We focus on selecting equities with a healthy balance sheet, cash flow growth, sustainable competitive advantage, high entry barriers for competitors, and a proven management track record.
Risk Management
Risk management is essential to protecting and growing assets. We align with Warren Buffett's philosophy that a rising tide lifts all boats, but when the tide goes out, you discover who has been swimming naked. Our focus is on helping clients grow assets they cannot afford to lose by carefully investing their money as if it were our own.
We emphasize winning by not losing by avoiding permanent losses, such as capital destruction from unproven companies, penny stocks, overvalued securities, or unreliable stock tips. We also capitalize on temporal losses, which present opportunities to invest in renowned companies with strong balance sheets at valuations below their fair value. Economic downturns and general investor fears can create opportunities to buy quality securities at bargain prices with a long-term perspective.
Efficient Diversification
Diversification is a core strategy for risk mitigation, but it's important to avoid "diworsification," where a portfolio is overloaded with similar assets, reducing potential returns and protection.
Avoiding Diworsification:
Adding too many similar assets, especially within the same industry, can lower expected returns and fail to protect against industry downturns. True diversification should minimize exposure to similar risks.
Understanding Correlation:
Effective diversification relies on the correlation between assets. By selecting assets with low correlation, a portfolio reduces overall volatility, allowing for more stable performance across different market conditions.
Fees & Transparency
At Manulife Wealth, we prioritize complete transparency, ensuring clients always know what they are paying for and why. We believe in fostering trust by providing clear information about our fees, allowing you to understand the value of our services.
We recognize the impact fees can have on a portfolio and focus on providing value that exceeds the cost. Our commitment is to ensure that the benefits of our advice justify the investment, empowering you to make informed financial decisions with confidence.
Strategic Tax Management
In an environment where taxation can erode more than 50% of portfolio returns, understanding income tax implications is crucial. Optimizing a portfolio for minimal taxation helps reduce the regular erosion of investment returns. Over time, even a small difference in net compounded returns can have a significant impact on your wealth.
Consider two portfolios, each starting with $500,000 and invested for 20 years at a 5% rate of return. Portfolio A is subject to a 25% tax rate on investment returns, while Portfolio B faces a 50% tax rate. The difference in tax rates demonstrates how tax strategies can dramatically affect long-term investment outcomes, highlighting the importance of minimizing tax liabilities to maximize wealth growth.
