RBA's Investment Process

Four ways your wealth map will lead you to your goals

In today's world, you need a process in order to make clear and rational investment decisions. At RBA, we help our clients gain knowledge and confidence through education and a well-defined plan.

Goal #1 To understand, create and implement a financial plan to achieve your investment objectives within the time horizon specified.

Goal #2 To preserve and grow your capital through real rates of return, reduced risk and tax efficiency.

These goals are the foundation of our investment philosophy, and these four philosophies are its cornerstones.

1. Asset Allocation Discipline

Our investment planning process concentrates on asset allocation and diversification among asset classes. This is one of the most important steps in the process. We help you define your goals and objectives and implement a plan through appropriate allocation of equities, bonds, GICs and cash.

Our approach is simple. We don't make bets on a particular market segment. The number of investment choices is growing, and each segment of the market has its own risk profiles and its own return potential. We don't use past rankings as a predictor of future success; more correctly, we rely on a disciplined asset allocation process. We thoroughly research all our investment recommendations, meet frequently with the fund and portfolio managers, and promote our independence to maintain an objective, unbiased review of the options.

At RBA, our asset allocation discipline is designed to consistently produce responsible results. By using different asset classes, we help you achieve your long-term financial goals.

2. Maintaining your asset allocation is essential

A periodic financial review allows us to
  • proactively assess and maintain your asset allocation
  • rationally monitor results based on long-term objectives
Our objective is to reallocate your investments among the different asset clases to ensure that the long-term risk dynamics of your portfolio are not affected.

3. Your real after-tax rate of return is what matters

We understand that income taxes and investment management fees affect your real rate of return. So we always consider both when making investment recommendations.

As your portfolio grows, we evolve the type of investment choices to best fit your needs.

4. Investment decisions should be rational rather than emotional

Armed with a well defined investment plan and an asset allocation model, you're less likely to react to headlines and daily events that we have little or no control over. This allows us to stay focused on a financial plan that is proactive rather than reactive.

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Angela Teeter
   Angela Teeter