INVESTMENT IMPLEMENTATION
Cardinal 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
The Key
My typical days the last 16 years may involve some combination of reading the latest academic research paper, running different scenarios of minor adjustments to a model portfolio or keeping tabs on the newest investment vehicles available to clients- all in the hopes of trying to eek out a few extra basis points of return. When this far in the weeds, it can be easy to forget the reasons we invest our money in the first place.
Health Insurance Options for Seniors Moving to the U.S.
One of the most important considerations for Canadians moving to the U.S. is health insurance. Coverage in the U.S. can be expensive, especially for those with pre-exisiting conditions. Find out how long it would take you to qualify for Medicare and what some of your other health care options are in the U.S.
