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Do you have the time to look after your investments and the interest in doing so? Do you have investment knowledge? Are you prepared to rebalance your portfolio on a regular basis, buying and selling investments in specific proportions? If you answered “no” to any of these questions, then the FÉRIQUE Portfolios1 are designed for you.
The Portfolios unquestionably offer a turnkey approach to the management of your investments. To maximize your financial goals, you need to build a portfolio comprising different types of investments that reflect your needs and your investor profile.
To invest with peace of mind, here are four reasons to choose a FÉRIQUE Portfolio:
Unlike the Funds, which invest in a single asset class, the Portfolios invest in several asset classes, regions and economic sectors.
A given fund’s return may go from one of the best to one of the worst over the course of only one year, depending on the market. Therefore, the strategy recommended by FERIQUE Fund managers is that you diversify your investments to reduce your exposure to the volatility of returns.
Moreover, FERIQUE Fund managers emphasizes a multi-manager approach to its Funds. By giving more than one manager responsibility for a fund, we can expose the fund to complementary management styles that have a degree of correlation within a specific range. Our objective is not a maximum return, but one that is more constant over time with a lower degree of volatility. FERIQUE Fund managers uses its expertise to identify the best managers, to measure the degree to which they are complementary and to combine their strengths in order to build a fund strategically for the long term.
Before investing in one of the Portfolios, you need to establish your risk tolerance and investment horizon. The FÉRIQUE Portfolios are designed as a function of specific risk profiles; they provide the full spectrum of risk, with five separate investment solutions.
And this process is dynamic: Over the years, as your situation changes, you and your representative can determine whether your Portfolio’s risk category still corresponds to your reality.
Over time, the various asset classes record variable returns, which tends to change their relative weight within a portfolio. This situation may create an undesired level of risk by giving a portfolio insufficient or excessive exposure to certain asset classes. FERIQUE Fund managers performs regular rebalancing to return the asset allocation to its target by making the necessary purchases and sales. Moreover, the managers of the underlying funds perform tactical investment management within the funds. As a result, you don’t have to worry about monitoring the markets on a daily basis and responding appropriately.
A portfolio also helps you step back from the short-term signals given off by the markets, which can be volatile, confusing and unpredictable. Such signals can sometimes cause investors to overweight or underweight asset classes in a way that is not necessarily appropriate from a strategic standpoint. They can also cause investors to try to time the market, which can be risky. Regular rebalancing takes rumour, noise and emotion out of the equation.
The FÉRIQUE Portfolios combine a competitive approach in terms of performance and management fees that are among the lowest in the industry for equivalent solutions2 and high-quality advice offered at no additional charge3. Like all the FÉRIQUE Funds, the Portfolios aim to outperform the median returns of their categories with a reasonable level of risk. Over a 10-year period, all the FÉRIQUE Funds have achieved this objective.
Are you convinced that the Portfolios are THE solution? Or are you still hesitating? If so, contact our Advisory Services for assistance.
FERIQUE Investment Services
Monday to Friday 8 a.m. to 8 p.m.
T 514-788-6485
Toll free 1-800-291-0337
[email protected]
1 FERIQUE Moderate Balanced Fund, FERIQUE Balanced Fund and FERIQUE Balanced Growth Fund will be renamed, on or about July 4, 2017, respectively FERIQUE Moderate Portfolio, FERIQUE Balanced Portfolio and FERIQUE Growth Portfolio
2 The management expense ratios of the FÉRIQUE Funds and Portfolios are among the lowest in Canada in comparison with their reference universes according to Fundata Canada Inc.
3 Advisory services are offered at no additional cost if FÉRIQUE Funds are purchased through FÉRIQUE Investment Services.
FÉRIQUE is a registered trademark of Gestion FÉRIQUE and is used under license by its subsidiary, Services d'investissement FÉRIQUE. Gestion FÉRIQUE is an Investment Fund Manager and assumes management duties in relation to the FÉRIQUE Funds. Services d'investissement FÉRIQUE is a Mutual Fund Dealer and a Financial Planning Firm, as well as the Principal distributor of the FÉRIQUE Funds. Please note that for commercial purposes, Services d'investissement FÉRIQUE is also known in English as FÉRIQUE Investment Services.
There may be brokerage fees, trailing commissions, management fees and expenses associated with investment in the Funds. Management expense ratios vary from one year to another. Please read the prospectus before investing. Mutual funds are not guaranteed, their values fluctuate frequently and past performance may not be repeated.
FÉRIQUE Funds pay management fees to Gestion FÉRIQUE allowing it to assume the fees of the portfolio managers, the fees relating to the marketing or distribution of the FÉRIQUE Funds and the administration fees of the manager of the FÉRIQUE Funds. Each of the FÉRIQUE Funds pays all of its own operating expenses. No commissions are payable by the unitholders for a subscription in the FÉRIQUE Funds if such subscription is made through Services d'investissement FÉRIQUE; brokerage fees could however be payable should the subscription be made through a broker other than the principal distributor.