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Disciplined strategies in late market cycle (Accumulators (Review time…
Disciplined strategies in late market cycle
Retiring soon
Review the assumptions on the retirement plan (rates of return)
If retiring soon, purchase RRIF/LIF/annuity/CC now with higher MV
Review KYC's, consider short term funds and longer term funds
Consider PSG funds
Cash Wedge
Accumulators
Review time lines for the goals / if you have time....stay the course, Review KYC
Market the death benefit reset option
Consider PSG funds/advisor consideration
Move to the PWC portfolios versus your own
Move clients from outside company to us - create a guarantees
Automatic features: DCA, autorebalancing,
Move lump sums in over a period of time versus all at once
Has the portfolio shifted to more aggressive and need to be rebalanced.
People saving for a major purchase to occur in near future: Make sure investments are lower risk or move investments into low risk
Retirees
Review length of time they wish to stay in the market
Review KYC's
Review investments being left to the estate versus investments planned to be used for consumption
Consider PSG funds
Move to Estate Protection and reset guarantees and get 100 DB
Cash wedge
Advisor practise mgmt. market volatility communication strategy to clients -
(CX& M to help here)
Clients with Securities (securities specialists)
Set up stop loss order
Revisit clients with concentrated share ownership plans review liquidation strategy
Review income versus dividend income returns
Re-assess risk tolerance - too risky or too conservative