Investments

Investment Philosophy

Every investment has risk and offers potential rewards. We believe it is important to help clients evaluate their goals and risk tolerance, and to develop an investment strategy that addresses both. Investing in securities involves risk of loss that clients should be prepared to bear.

We believe that setting a target allocation and periodically re-allocating to control risk and improve tax efficiencies is an excellent strategy. Using mutual fund managers with a broad mandate that enables them to have the flexibility to invest in areas of the market with the best long-term value will maximize long-term investment returns.

Investment Strategy

Most people do not have the time, talent or desire to manage their investments in their account. That is why Calder Investment Advisors offers six diversified, managed investment portfolios. We can use these in combination with any unique personal requirements that a client brings us.

Each managed portfolio is established based on a specific asset allocation. Once you select an asset allocation model, Calder Investment Advisors does the rest. We handle the selection of individual investments, allocate your assets into investments with various style characteristics, rebalance the account to maintain asset allocation, and replace poor performing investments in the portfolio as is necessary.

Everyone can benefit from active management of his or her investment portfolio. No more struggling over asset allocation and individual investment decisions on an ongoing basis. Calder will take care of all these worries.

Our six managed portfolios are Capital Preservation, Moderate Growth, Wealth Building, Equity Strategies, Equity Growth and Market Leaders.

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Capital Preservation

  • Bonds
  • Short-Term Bonds
  • Equities

Objective

  • Seeks preservation of principal with moderate current income and limited appreciation potential.

Investor Profile

  • Investors with short to intermediate-term goals (2-3 years)
  • Those who are interested in protecting the amount of money they invest
  • Those who want some growth as a hedge against inflation

Moderate Growth

  • Equities
  • Bonds
  • Money Market

Objective

  • Seeks protection against inflation through intermediate-term asset growth.

Investor Profile

  • Investors with intermediate-term goals (4-6 years)
  • Those seeking more stability in "up" and "down" markets than stocks alone provide
  • Investors who want to build their capital and protect the value of their portfolio against inflation without experiencing large swings in portfolio value

Wealth Building

  • Equities
  • Bonds
  • Money Market

Objective

  • Seeks long-term capital appreciation, recognizing that short-term fluctuation in portfolio value may occur.

Investor Profile

  • Customers with long-term goals (7+ years)
  • Those more interested in beating inflation
  • Those less concerned with current income
  • Investors seeking a diversified approach to wealth accumulation

Equity Strategies

  • Equities
  • Absolute Return

Objective

  • Seeks capital appreciation over a long investment horizon with a goal to incur lower market volatility.

Investor Profile

  • Customers with long-term goals
  • Investors who want lower market volatility

Equity Growth

  • Equities

Objective

  • Seeks strong capital appreciation over a long investment horizon; the aggressive mix of 100% equity securities will produce high short-term fluctuation in asset value.

Investor Profile

  • Investors with long-term goals
  • Investors with other investments providing adequate diversification
  • Those who can ride out frequent shifts in portfolio values
  • Those seeking maximum growth of their assets
  • Those who want the highest potential return from a long-term investment

Market Leaders

Objective

  • Seeks to invest in the best performing asset classes at all times. To meet this objective requires a more actively managed account than the other strategies. Since this strategy can result in more frequent trading, trading costs can have a negative impact on performance.

Investor Profile

  • Those seeking a well-defined, disciplined investment strategy that is more proactive and responds to market changes.
  • Those seeking maximum growth of their assets
  • Investors with long-term goals