The traditional 60/40 (60% equity, 40% fixed income) approach to asset allocation served many investors very well in the past, but with inflationary and unprecedented interest rate activity, the historical environment the 60/40 was built on is now a long-distant memory. Creating and preserving wealth for today’s investor requires a more flexible approach – one that recognizes the realities of today’s market environment and leverages innovative insights and solutions to help investors navigate the tectonic shift in the investment landscape.
The Q Wealth portfolio management approach begins with understanding two very important things about you:
- Your ability to take risk. Also known as risk capacity, this refers to the level of risk that you could reasonably take given your asset level, employment income, financial goals and obligations, investment time horizon, and other circumstances.
- Your willingness to take risk. Also known as risk tolerance, this is the psychological or emotional dimension of risk. Essentially, it’s the amount of risk you can take while still being able to sleep at night.
Some investors have a risk capacity that is significantly lower than the level of risk they are willing to take, while others enjoy circumstances that give them a risk capacity that’s much higher than the level of risk they can emotionally tolerate. Our goal is to get a clear understanding of your risk capacity and tolerance, and then build your plan around whichever of the two entails the lower level of risk.
Our Investment Process
Building a well-diversified portfolio that answers the challenges of today’s complex market environment requires a multi-faceted, team-based approach. Each member of the PWM Private Wealth Counsel team brings a unique perspective and background, and working with Q Wealth registered portfolio managers, customized portfolios can be crafted for clients to help them meet their financial plan goals and objectives.
The scale and approach of Q Wealth Partners ensures we are taking full advantage of the collective knowledge and experience of the firm and its many partners. This adds meaningful value to the portfolios, which translates into greater wealth-creation potential for our clients.
