Western Canadian investors are increasingly nervous due to myriad challenges: persistent inflation, low but rising interest rates, stock market volatility, war, brittle supply chains and a gloomy economic outlook. Along with other regular guests on the Money Talks radio program, we saw these risks germinating years ago..We find politically conservative investors are often frustrated by investment advisors/brokers who don’t understand or simply dismiss their bigger picture concerns, e.g., the World Economic Forum, radical environmental policies, high taxation, endless government deficits, and the need to rapidly adapt to our changing world. These predictably mainstream attitudes emanate both from establishment head offices run by left-of-center folks, and from most advisors’ desire to downplay worst case scenarios..For many dedicated savers, farmers, ranchers and business owners, their current investment management simply isn’t working … so where to from here? As independent, grassroots, reasonable conservatives who are driven by real data, we fully understand these frustrations, and we help solve the most pressing and very real challenges facing Western Canadian investors such as:.Stock Market volatility: In the world of passive investments, stocks provide the highest and most reliable longer-term returns. The problem is downside volatility, driven by extreme mass emotions. Risk is dynamic, so your portfolio shouldn’t be rigid. Buy and hold just won’t work. Going forward, investors need to actively navigate markets and make prudent changes in real time, selling portions into strength and buying during periods of risk. This results in lower day to day volatility and solid returns. This is what we do..Inflation: Shrinking purchasing power caused by excessive money printing and supply restrictions are on everyone’s mind. We believe we’re in the early stages of stagflation: inflating prices with a stagnant real economy. Protecting the purchasing power of your investments requires finding pockets of opportunity that grow faster than inflation. Selective investments in commodities, energy companies, real estate, precious metals and nuclear stocks are in secular up-trends, albeit currently experiencing a pullback. Avoid high-flyer, small companies to protect against significant losses. We also do this..Low but rising interest rates: Interest rates fell from their peak in the very early 1980s until August 4, 2020. Government bonds enjoyed capital gains until that same date. While government bonds and GICs are often classified as “safe,” investors are waking up to the reality rising interest rates cause longer-term bonds to decline in value, and GICs offer rates that don’t keep pace with inflation. Carefully selected Private Alternatives in the areas of private debt and private real estate can yield 6-9%, and they can actually benefit from rising interest rates. These form an important part of our client portfolios..These are three of the most significant challenges facing investors today. Undoubtedly, other challenges will reveal themselves in the future. As a fully independent firm, Integrated Wealth Management’s team is ideally positioned to assess, adapt to, and overcome whatever the future brings..This all comes wrapped in a personalized, no BS approach to working with clients, including a shared worldview with Western Standard’s subscribers..If you’re open to change, why not explore a meaningful upgrade to how your family’s nest egg is being managed with our team at Integrated Wealth Management?.You can learn about us at www.i-wealth.ca and access many videos, webinars and interviews we’ve done over the years to understand how we think and the way our portfolio managers invest for clients..And when you’re ready, let’s set up an introductory meeting to discuss your concerns and do a complimentary portfolio review..At risk of stating the obvious, if you want progress, you must be willing to change…but jumping from the frying pan to the fire is pointless. Fortunately, this is a problem with very practical, effective solutions..Fear and greed are destructive to your wealth, health and happiness. Patience and discipline are accretive, so focus on these..Cheers,.Andrew H. Ruhland, CFP.,.Founder, Integrated Wealth Management Inc..Sponsored content
Western Canadian investors are increasingly nervous due to myriad challenges: persistent inflation, low but rising interest rates, stock market volatility, war, brittle supply chains and a gloomy economic outlook. Along with other regular guests on the Money Talks radio program, we saw these risks germinating years ago..We find politically conservative investors are often frustrated by investment advisors/brokers who don’t understand or simply dismiss their bigger picture concerns, e.g., the World Economic Forum, radical environmental policies, high taxation, endless government deficits, and the need to rapidly adapt to our changing world. These predictably mainstream attitudes emanate both from establishment head offices run by left-of-center folks, and from most advisors’ desire to downplay worst case scenarios..For many dedicated savers, farmers, ranchers and business owners, their current investment management simply isn’t working … so where to from here? As independent, grassroots, reasonable conservatives who are driven by real data, we fully understand these frustrations, and we help solve the most pressing and very real challenges facing Western Canadian investors such as:.Stock Market volatility: In the world of passive investments, stocks provide the highest and most reliable longer-term returns. The problem is downside volatility, driven by extreme mass emotions. Risk is dynamic, so your portfolio shouldn’t be rigid. Buy and hold just won’t work. Going forward, investors need to actively navigate markets and make prudent changes in real time, selling portions into strength and buying during periods of risk. This results in lower day to day volatility and solid returns. This is what we do..Inflation: Shrinking purchasing power caused by excessive money printing and supply restrictions are on everyone’s mind. We believe we’re in the early stages of stagflation: inflating prices with a stagnant real economy. Protecting the purchasing power of your investments requires finding pockets of opportunity that grow faster than inflation. Selective investments in commodities, energy companies, real estate, precious metals and nuclear stocks are in secular up-trends, albeit currently experiencing a pullback. Avoid high-flyer, small companies to protect against significant losses. We also do this..Low but rising interest rates: Interest rates fell from their peak in the very early 1980s until August 4, 2020. Government bonds enjoyed capital gains until that same date. While government bonds and GICs are often classified as “safe,” investors are waking up to the reality rising interest rates cause longer-term bonds to decline in value, and GICs offer rates that don’t keep pace with inflation. Carefully selected Private Alternatives in the areas of private debt and private real estate can yield 6-9%, and they can actually benefit from rising interest rates. These form an important part of our client portfolios..These are three of the most significant challenges facing investors today. Undoubtedly, other challenges will reveal themselves in the future. As a fully independent firm, Integrated Wealth Management’s team is ideally positioned to assess, adapt to, and overcome whatever the future brings..This all comes wrapped in a personalized, no BS approach to working with clients, including a shared worldview with Western Standard’s subscribers..If you’re open to change, why not explore a meaningful upgrade to how your family’s nest egg is being managed with our team at Integrated Wealth Management?.You can learn about us at www.i-wealth.ca and access many videos, webinars and interviews we’ve done over the years to understand how we think and the way our portfolio managers invest for clients..And when you’re ready, let’s set up an introductory meeting to discuss your concerns and do a complimentary portfolio review..At risk of stating the obvious, if you want progress, you must be willing to change…but jumping from the frying pan to the fire is pointless. Fortunately, this is a problem with very practical, effective solutions..Fear and greed are destructive to your wealth, health and happiness. Patience and discipline are accretive, so focus on these..Cheers,.Andrew H. Ruhland, CFP.,.Founder, Integrated Wealth Management Inc..Sponsored content
