This mix allows for some capital appreciation while still focusing on income and stability. Conservative clients might be saving for retirement or other important goals, but they do not want to see large drops in their portfolio value.
Balanced clients
Balanced clients want both growth and protection. They are comfortable with some risk but want to avoid big losses. A balanced portfolio usually includes a mix of these three: Canadian stocks (can also have international equities), fixed income, and some cash.
This approach aims to provide a reasonable rate of return while reducing the impact of market downturns. Balanced strategies are popular for clients with medium- to long-term goals and a moderate risk tolerance.
Growth-oriented clients
Growth-oriented clients are focused on building wealth over time. They understand that markets can be volatile and are willing to accept short-term ups and downs for the chance of higher long-term returns.
Their portfolios have a higher allocation to equities, both Canadian and international, and a smaller share of bonds and cash. This strategy is best for clients with a long investment horizon who can stay invested during market swings.
