Investment Dealers

Higher Returns for Investors with a Financial Advisor:

You have worked hard to save for your retirement with accumulated RRSPs, savings bonds and GICs. How can you benefit now by using the services of a financial advisor?

The Financial Advisor’s vital role is backed by a study conducted by DALBAR Financial Services, a U.S. based research company, which analyzed the returns of investors in different equity mutual funds from January 1984 to June 1995. The study found that equity mutual fund investors who worked with a Financial Advisor tended to stay with their investments longer than non-advised investors. The result: investors guided by Financial Advisors earned about 20% more in cumulative returns.

In helping you select investments with objectives that match your needs, a personal Financial Advisor will seek to build a diversified portfolio to temper the effects of short-term market fluctuations on your long-term investments.

If you have limited yourself to a narrow range of investment products you may be missing out on the plethora of other ‘tools in the toolbox’. Financial Advisors can offer a wide variety of tools, such as stocks, bonds, preferred shares, income trusts, and access to most mutual funds and segregated funds in the country. Access to these products and a thorough analysis of your circumstances allows the Financial Advisor to implement an investment strategy focussed on your unique goals and objectives and the best way to accomplish them.

A licensed Investment Advisor is governed by the “Know Your Client” rule. This policy ensures that any investment recommendations are offered only after an in-depth interview with the client has taken place in order to assess the investor’s level of investment knowledge, risk boundaries and income requirements etc. Then a full written plan may be drawn up by the Investment Advisor, accompanied by an investment policy statement .

It is important for you to establish a relationship with someone you respect and with whom you feel comfortable. Furthermore, successful investing is a full-time job that requires discipline, education, and detailed knowledge of the market and experience in providing objective investment advice.