How managed solutions can make investing simple

Canada Life - Sep 08, 2023
For many Canadians, investing can be an emotional experience
young family reading

When you invest your hard-earned money you want to trust it’s in the right places and it’s helping you achieve your goals. But with so many options, how do you know which solution is right for you?

On top of that, markets are always changing. Global politics, climate change and interest rates will continue to impact the market and you might decide to put your money in low-interest savings accounts or avoid investing completely. Managed solutions give a straightforward way to invest towards your financial goals. 

How can managed solutions help you? 

A well-diversified portfolio is essential to help reduce risk without sacrificing growth. Managed solutions are investment funds made up of a diverse mix of equity, fixed income, cash and other funds that make it easier to invest. Professional portfolio managers steer the fund through shifting market conditions and help protect against extreme market swings.

Imagine you're a chef creating a gourmet meal. A standalone fund is like preparing a single dish with carefully chosen ingredients. The chef, acting as a professional portfolio manager, carefully selects each ingredient (investment) to compose a dish (fund). On the other hand, a managed solution resembles a buffet. Here, the chef (portfolio manager) not only creates one dish but cooks multiple dishes of food from diverse cuisines.  

Which managed solutions is right for me? 

Everyone’s situation and goals are different, so there are several options available to help you find the best fit for you and your family. Whether you’re saving for a down payment on a house, approaching retirement, or looking to start an education fund for your kids, each managed solution takes into account your personal situation and risk tolerance. You can invest with the portfolio that best aligns to the amount of risk you’re comfortable with, while still putting you in a position to help grow your money. 

Canada Life Sustainable Portfolios 

These portfolios help you invest in a way that seeks to align with your values without sacrificing potential returns. They look to invest in companies striving to make a positive contribution to society and the environment while limiting investments in companies with damaging or unsustainable business practices. 

Target risk portfolios 

A target risk portfolio is a simple, one step solution that seeks to establish and maintain a specific level of risk over time, by investing in a diverse selection of funds to help you achieve your goals. If you have a longer-term focus of saving for retirement or a down payment on a house, this option could be a fit. 

Canada Life Risk-managed portfolios 

A risk-managed portfolio is a good option if you have been working hard for your nest egg and want to see your investments grow. If you’re concerned about swings in the market, this option provides a cushion from risk to give you a smoother investment experience. 

Constellation Managed Portfolios 

If you’re saving for multiple goals at once like a child’s education, a dream vacation, and retirement, this option can align your investments to help you reach your goals. A goals-based investing approach based on your needs will give you a clear picture of how your investments are tracking to your personal and family goals.

Managed solutions make investing simple by giving you the benefits of a diverse portfolio in a single fund. This way you can worry less about market fluctuations and have more confidence in your investments.

I’m here to support you with finding the right solution. Let’s schedule time to chat about what option is right for you.