Portfolio diversity

TDFs allow advisers to help create a retirement glide path, but selecting the right fund for the right path can be a challenge.

Raw performance grabs headlines, but highlighting the benefits of diversification is more beneficial for those who react poorly during periods of market volatility.

With a dearth of income alternatives for clients, advisers need to know that there are still some stocks that can do the trick.

While discount pricing can create confusion, these funds can also create opportunities for clients to unlock long-term cash flows.

Performance demonstrates instruments’ strength and ability to offer protection.

The freedom to choose a more conservative retirement model is predicated on using a lower withdrawal rate.

Beyond risk questionnaires: How clients’ life stages should play a role in portfolio decisions.

Beyond risk questionnaires: How clients’ life stages should play a role in portfolio decisions.

Recent research shows how advisers work and how they like to communicate.

Planners ask whether events like Brexit have rewritten the rules on current portfolio allocations.

While the value of broad diversification becomes evident over 15 to 20 years, its virtues will often be noticeable even over shorter time frames.

"We always tell our client base that the potential opportunity is plentiful, but like every asset class, there is no guaranteed profit," says RBC adviser George Kursar.

Arranging fixed income for periodic redemptions can deliver the risk/reward sweet spot.

Arranging fixed income for periodic redemptions can deliver the risk/reward sweet spot.

Arranging fixed income for periodic redemptions can deliver the risk/reward sweet spot.

This may prove to be the right combination during times of uncertainty.

This may prove to be the right combination during times of uncertainty.

This may prove to be the right combination during times of uncertainty.

Some advisers continue to overstate the benefits, confusing savings with deferral.