9:00 AM to 5:00 PM
Monday to Friday
appointments are suggested
2017 Investment Expectations
For 2017 I remain cautious because the current Bull Market has been running for eight years. North American markets are now moving from a historically low interest rate environment to a normalized interest rate environment. Rising interest rates can generate headwinds for both Stocks and Bonds.
That being said, there are positives unfolding in the USA and fiscal stimulus is beginning to show benefits for the European Economies. Canada's Resource Sector has finally made some gains and Canadian Banks and Insurance Companies stand to prosper with interest rates on the rise.
With the thought that Global Economies are due to start catching up with the strength of the USA economy, I am recommending Global Funds with European and USA content.
2017 Asset Allocations
Investment Vehicle % Holdings Strategy/Approach
GIC's 60% Conservative
European Equities 15% Growth/Valuation
Canadian Equities 15% Moderate
USA/Global Equity 10% Moderate
TOTAL 100% Moderate/Conservative
Allocation formula using age 100 minus your current age is a simple but effective formula for many of my clients: i.e.
Age 100 minus current age 50 equals 50% allocation to stocks.
Age 100 minus current age 65 equals 35% allocation to stocks
Age 100 minus current age 75 equals 25% allocation to stocks
Segfunds which have a 75% Guarantee at Maturity have lower Management Fees compared to Segunds offering a 100% Maturity and Death Guarantee. It is important that each client has their Asset Allocation designed to match their individual Risk Tolerance i.e. Conservative, Moderate, Aggressive.
– Rick Reynolds CLU CH.F.C.
Please contact us if you have questions
or would like us to prepare a custom service
package based on your needs.
Tel : (250) 595-2419 Fax : (250) 592-4953
Victoria Office, #206 - 2187 Oak Bay Avenue
Victoria, B.C. V8R 1G1
North island Office, 3713 Shoreline Drive,
Campbell River, B.C. V9H 1L8
R. E. Reynolds Investments
& INSURANCE SERVICES LTD.
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