Asset Allocation in St. Thomas, ON

Regardless of income and financial goals, understanding asset allocation is crucial when planning investments and retirement. Action Financial Group, iA Private Wealth offers professional assistance for consumers wishing to put successful strategies into place.

What is Asset Allocation?

Although many think asset allocation is only a concern of the wealthy, it applies to anyone who wants to ensure a secure future. Dividing an investment portfolio up into various categories is the basis of asset allocation. Most portfolios include a combination of stocks, bonds, and cash. Stocks usually have the highest risk and return. Bonds are less risky but offer lower returns. Cash such as CDs and money markets are the safest investment with lowest return.

The combination of assets in a portfolio is a unique mixture based on personal factors such as income, time horizon, and individual risk tolerance. Time horizon is the amount of time an investor has to achieve a goal. For example, someone in their 20s beginning to save for retirement has a longer investment period, which enables waiting out market fluctuations. Someone who is older or saving for a more immediate goal will have a smaller time horizon. Risk tolerance is an investor’s comfort with potentially losing some or all of an original investment to achieve a greater return.

Strategic Plans

A strategic plan considers the expected rates of return for each asset and devises a mix that will achieve the investor’s goals. Because everyone has individual goals and finances, every plan is unique based on these factors. Action Financial Group, iA Private Wealth™ specializes in full consultation to learn these personal details. Then our team helps you create a strategic plan that will make your goals a reality.

Start working on your financial future today to secure it. Contact us to see how we can help you ensure a bright future.

Get in touch with us today at 519-631-4724 to learn more about our team and to schedule an appointment.

iA Private Wealth Inc. is a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada. iA Private Wealth is a trademark and a business name under which iA Private Wealth Inc. operates. This is not an official website or publication of iA Private Wealth and the information and opinions contained herein do not necessarily reflect the opinion of iA Private Wealth. The particulars contained on this website were obtained from various sources which are believed to be reliable, but no representation or warranty, express or implied, is made by iA Private Wealth, its affiliates, employees, agents or any other person as to its accuracy, completeness or correctness. Furthermore, this website is provided for information purposes only and is not construed as an offer or solicitation for the sale or purchase of securities. The information contained herein may not apply to all types of investors. The Investment Advisor can open accounts only in the provinces where they are registered. Insurance products and services are offered through Action Financial Group Ltd., an independent and separate company from iA Private Wealth Inc. Only services offered through iA Private Wealth Inc. are covered by the Canadian Investor Protection Fund.