Investment Management
Allocation is the decision that matters most
Which specific fund you own matters far less than how much sits in growth versus stability, and which account each piece sits in. That is where we start.
How we set it
Building the mix
- Step 1
Time horizon by goal
Money needed in three years is invested differently from money needed in twenty. Each goal gets its own horizon.
- Step 2
Risk capacity and tolerance
What the plan can absorb and what you can actually live through are two different limits. We use the lower of the two.
- Step 3
The household view
Allocation is set across every account together, not one account at a time — which is where most duplication hides.
- Step 4
Account location
Deciding what belongs in registered versus non-registered versus corporate accounts, based on how each is taxed.
- Step 5
Target bands and review
Every target gets a tolerance band and a review date, so drift is caught and corrected on purpose.
Diversification
Where diversification actually comes from
Across asset classes
Equity, fixed income and cash in proportions set by the plan rather than by recent performance.
Across geography
Canadian, US and international exposure, with home-country bias managed deliberately.
Across time
Systematic contributions and staged deployment instead of single-date decisions.
See your current allocation
Bring your statements and we will map what you own across every account in one view.
Investco Financial is licensed in British Columbia and Alberta for insurance and related financial services. Information on this page is general in nature and is not individual advice. Coverage, eligibility and tax outcomes depend on your own circumstances and the terms of the contracts issued.