Portfolio diversity

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.