Investment and Retirement Planning

Investment strategy & portfolio

See the portfolio
as a whole.

An investment strategy starts from your goals and constraints, not from a product. We structure the allocation and review what you already hold.

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Our approach

Goals, constraints,
then allocation.

01

Strategic allocation

Target split by asset class, consistent with your profile, horizon and liquidity needs.

02

Portfolio review

Concentration, overlaps, costs, liquidity and currency risk of your current holdings.

03

Monitoring & rebalancing

Periodic review of drift from the target allocation and of the plan’s assumptions.

Allocation examples

Three sample
profiles.

Teaching illustrations: your allocation depends on your actual situation.

Cautious

  • Cash & money market 50 %
  • Bonds 35 %
  • Equities & equity funds 15 %

Balanced

  • Cash & money market 25 %
  • Bonds 40 %
  • Equities & equity funds 35 %

Growth

  • Cash & money market 10 %
  • Bonds 30 %
  • Equities & equity funds 60 %

These splits are not recommendations. They show how the risk profile shapes a portfolio.

Regulatory status

Application for an investment-adviser licence (Conseil en investissements boursiers) under review by AMF-UMOA. Until it is granted, our services cover financial planning and education, without personalised recommendations to buy or sell securities.

Investing involves a risk of capital loss. Past performance and projections do not guarantee future results. Check that a broker is licensed on amf-umoa.org before opening an account.

Does your portfolio
serve your goals?

Send us a list of your holdings (no statements) and your goals.

Request a review