As a self-directed investor, you know market volatility is unavoidable. And when volatility increases, as it has since mid-2007, you may be keeping a closer eye on your investments and considering your next steps. Staying committed to your long-term plan is critical. Equally important is confirming your tolerance for risk and building a disciplined approach to diversification into your portfolio.
Don't lose sight of your investment plan and goals - short and long term. Reflect on your comfort level with potential exposure to downturns and consider your options:
> I'm comfortable riding the ups and downs.
Validate your portfolio holdings using the tools and research available through your online investing site. These include various S&P portfolio styles: fundamental, quantitative and risk-adjusted. Plus you can look to research from RBC analysts including daily Canadian equity research summaries and market commentaries along with a quarterly global investment outlook.
> I'm having difficulty sleeping at night; I am uncomfortable with the volatility.
Use the asset mix calculator to review your risk profile and asset allocation. If your review indicates a decreased tolerance for risk, you may benefit from a more conservative portfolio; we offer one of the largest fixed income inventories in Canada, including GICs from over 20 issuers, to ensure access to the best rates available. You can also select from a wide range of mutual funds, providing professional money management across a large range of balanced, income and money market funds.
Once you have decided which option suits you, be sure to keep a disciplined approach to diversification and stay focused on your plan and goals. Stay current on the markets by looking at the Daily Morning Market Commentary, Canadian Equity Research Summaries and S&P Weekly Outlook - all found under the Research tab.
Thank you for reading my blog and if there is anything else I can help you with please don't hesitate to contact me,
A. Mark Argentino
P. Eng. Broker
Specializing in Residential & Investment Real Estate
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