INVESTMENT IMPLEMENTATION
ardinal Point aims to ensure that you have exposure to a well-diversified portfolio of 1,000s of stocks from around the world and is uniquely situated to offer licensed advice, ongoing maintenance, and reporting on your assets across the U.S. and Canada.
INVESTMENT IMPLEMENTATION
ardinal Point aims to ensure that you have exposure to a well-diversified portfolio of 1,000s of stocks from around the world and is uniquely situated to offer licensed advice, ongoing maintenance, and reporting on your assets across the U.S. and Canada.
After the overall risk tolerance has been set and the underlying targeted asset allocation determined, we then move on to determine how those exposures should be garnered. When looking at the entire investment universe in the U.S. and Canadian markets, the Investment Committee weighs a variety of factors.
Weighing these aspects, we can construct model portfolios of institutional mutual funds and exchange traded funds (ETFs) to match your unique situation. We constantly monitor our exposures and conduct an in-depth quarterly due diligence process, frequently speaking with the investment managers of the underlying funds and discussing fund and model level performance against benchmarks in our quarterly Investment Committee meetings. Changes are made to our recommended fund list for a variety of reasons including the identification of more efficient implementation vehicles or the emergence of opportunities for further diversification.
- Expense ratios
- Trading liquidity
- Turnover of vehicle
- Tracking Error
- Fund Size
- Liquidation Costs
- Track Record
- Purity of Exposure
- Cash Efficiency
- Volatility
- Max Drawdown
- Passive Foreign Investment Compliant Reporting
At the end of this process we aim to ensure that you have exposure to a well-diversified portfolio of 1,000s of stocks from around the world, including moderate tilts towards some of those areas of the stock market academically shown to have higher expected returns, mixed with the right amount of high-quality bonds to meet your specific needs and aspirations. Cardinal Point is uniquely situated to offer licensed advice, ongoing maintenance, and reporting on your assets across the U.S. and Canada.
OUR RECENT PUBLICATIONS
East Coast Taxes for Retired Divorced U.S. Citizen
Where is the right place to retire – Canada or USA? Which province or state? These are difficult questions with lots of factors to consider, many of which are personal. Taxes should not be the most important issue, but neither should it be ignored. Cardinal Point’s experts can guide you through the implications of each option you are considering.
Secure Act 2.0
There are a number of rules changes proposed by Congress that will impact retirement accounts. The changes will benefit US residents and also Canadians with IRAs and other retirement accounts. There are many ways this could be advantageous for you, possibly deferring tax or extending benefits. Cardinal Point, as the leading cross-border specialist, can show you how.
Infographic: Lifetime Capital Gains Exemption & Qualified Small Business Corporation
The Lifetime Capital Gains Exemption (LCGE) is available to all Canadian residents and Americans living in Canada as a tax deduction on the sale of a Qualified Small Business Corporation (QSBC). It is indexed to inflation, and it can be used in part. Three tests must be met to claim an LCGE, and there are complicated regulations governing each of these.