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Canada Life’s high-calibre suite of five managed solutions can help advisors give clients a smoother investment ride through uncertain times and volatile markets
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WHIPSAWING MARKETS can shred clients’ nerves. Having put their hard-earned money into investments, suddenly their financial goals feel under threat. At best, this is deeply worrying. At worst, panic sets in and clients withdraw money and miss out on significant returns when markets bounce back.
Canada Life is a leading insurance, wealth management, and benefits provider focused on improving the financial, physical, and mental well-being of Canadians. For more than 170 years, individuals, families, and business owners across Canada have trusted us to provide sound guidance and deliver on the promises we've made. On January 1, 2020, Great-West Life, London Life, and Canada Life became one company – Canada Life – and today, we proudly serve more than 12 million customer relationships from coast to coast to coast.
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Asset allocation solutions as a percentage of financial wealth
7.3%
“Despite the growing risk of economic recession, as we move through the market cycle, we think many opportunities exist”
Chris Koltek,
Portfolio Solutions Group
For advisors, this is the perfect time to add value, in terms of both portfolio performance and client relationships, but, as we head into 2023, volatility and economic uncertainty mean time is at a premium. Advisors are expected to build suitable portfolios and to monitor and rebalance continuously. In addition, ongoing client communication is crucial to providing tactical and emotional support. There are also, of course, strict compliance demands.
Staying on top of all these moving parts is no easy task, and Canada Life has developed a suite of five managed solutions designed to provide clients with a potentially smoother experience and allow advisors to focus on delivering value and building their practice. By entrusting portfolio building, monitoring and rebalancing to managers with deep expertise in their field, these solutions offer advisors the opportunity to scale efficiently and focus on serving their clients, especially during volatile markets.
• Who’s this for? Clients looking for a quick, easy-to-understand solution who are possibly saving for a down payment and/or starting to build retirement savings. They’re comfortable with more risk and want a balance between this and return expectations.
Risk-Managed Portfolios
• This suite uses sophisticated portfolio construction techniques to create the outcomes investors are looking for, balancing risk, returns, and income. Combining active and passive strategies, it seeks to guard against volatility while capturing returns.
• Who’s this for? Clients concerned about market swings who are looking for a stable source of income to fund their retirement. They want to stay invested, but want lower volatility.
Constellation Managed Portfolios
• These portfolios take a goals-based approach and provide advisors with an end-to-end investing process that gives everyone a clear picture of how their investments measure up to target. Constellation also automates rebalancing and distributes funds to maximize the benefits of tax-exempt and tax-deferred accounts.
• Who’s this for? Clients who have specific goals (like vacations or their kids’ education) and who like to work with an advisor to see their progress.
Canada Life Sustainable Portfolios
• This solution aims to give you access to portfolios that are diversified across asset classes, regions, and responsible investing strategies. It invests in companies that strive to make a positive contribution to society and the environment while limiting those that have damaging or unsustainable business practices.
• Who’s this for? Clients who want their investments to align with values without sacrificing potential returns and their ability to build wealth.
Canada Life Index ETF Portfolios
• Launched in October 2022, these three new passively managed segregated funds complement Canada Life’s suite of actively managed segregated funds, providing investors with a simple, lower-cost, all-in-one portfolio.
• Who’s this for? Clients saving for retirement or other goals who are comfortable with an offering that aims to deliver performance similar to the market’s index.
The portfolios tap into the deep expertise and specialized portfolio knowledge of Canada Life’s subadvisors, from Portfolio Solutions Group (Target-Risk Asset Allocation Funds and Canada Life Index ETF Portfolios), Irish Life Investment Managers (Risk-Managed Portfolios and Constellation Managed Portfolios*), and J.P. Morgan Asset Management (Canada Life Sustainable Portfolios).
Chris Koltek, institutional client portfolio strategist with Portfolio Solutions Group, believes Canada Life’s managed solutions give advisors the opportunity to increase their productivity and shift their focus from building portfolios to more robust client support, holistic planning, and new opportunities.
Koltek says, “The starting point for capital markets going into 2023 is a lot different than 2022. Today we’re looking at higher interest rates, a deceleration of inflation, and restated global equity valuations. Next year’s starting environment provides investors with greater yields from lower-risk investments and a stronger margin of safety for equities than last year. Despite the growing risk of economic recession, as we move through the market cycle, we think many opportunities exist.”
Whether it’s returns or downside protection, advisors need to be armed with the tools to succeed in this environment. The proven performance and value of Canada Life’s managed solutions can
Share
Share
Source: Investor Economics Household Balance Sheet Report 2022
2002
14.6%
2011
25.8%
2021
32.2%
2030
Managed solutions can help you:
Meet regulatory standards
Build suitable portfolios
With continuous monitoring and rebalancing
Free up time/be more efficient with client communication
Build your business
1
1 https://thedecisionlab.com/biases/loss-aversion
Disclaimers:
Data source Morningstar Direct as of Sept. 30, 2022, using F-class and 75/75P series for mutual and seg funds, respectively.
*Irish Life Investment Managers manages the strategic asset allocation for the Constellation Managed Portfolios program; however, the portfolio managers of the individual funds selected within the Constellation Managed Portfolios program vary.
The views expressed in this commentary are those of this investment manager as at the date of publication and are subject to change without notice. This commentary is presented only as a general source of information and is not intended as a solicitation to buy or sell specific investments, nor is it intended to provide tax or legal advice.
These funds are available through a segregated funds policy issued by The Canada Life Assurance Company. All funds, other than the Canada Life Index ETF Portfolio funds, are also available as mutual funds managed by Canada Life Investment Management Ltd., offered exclusively through Quadrus Investment Services Ltd. Commissions, trailing commissions, management fees, and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated. A description of the key features of the segregated fund policy is contained in the information folder. Any amount allocated to a segregated fund is invested at the risk of the policyowner and may increase or decrease in value.
Canada Life and design, Constellation Managed Portfolios, and Canada Life Sustainable Portfolios are trademarks of The Canada Life Assurance Company.
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WHIPSAWING MARKETS can shred clients’ nerves. Having put their hard-earned money into investments, suddenly their financial goals feel under threat. At best, this is deeply worrying. At worst, panic sets in and clients withdraw money and miss out on significant returns when markets bounce back.
For advisors, this is the perfect time to add value, both in terms of portfolio performance and client relationships but, as we head into 2023, volatility and economic uncertainty mean time is at a premium. Advisors are expected to build suitable portfolios and to monitor and rebalance continuously. In addition, ongoing client communication is crucial to providing tactical and emotional support. There are also, of course, strict compliance demands.
Staying on top of all these moving parts is no easy task, and Canada Life has developed a suite of five managed solutions designed to provide clients with a potentially smoother experience and allow advisors to focus on delivering value and building their practice. With professional managers at the helm, you can leave the day-to-day details to these experts – things like building, monitoring, and rebalancing portfolios to keep them compliant with client needs and their “know your client” profile. With the help of these experts, managed solutions provide a simple, repeatable, and scalable way to carry out your responsibilities, serve your clients, and help keep their portfolios on track, even in unpredictable markets.
Losses hurt – research tells us the psychological pain of losing is felt 2.5 to 7x more than the impact of winning1 – and these fund-of-fund products, managed by experienced professionals, are made up of a diverse mix of equity, fixed income, cash, and other funds designed to protect against market swings and shifting market conditions. While stocks and bonds are the portfolios’ building blocks, managed solutions can hold assets that some investors may not have access to, such as real estate and private equity
Canada Life’s managed solutions cater to different client needs and situations. Here’s a breakdown of the five offerings to help you determine which are most suitable for your clients.
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1
News
Your Practice
Investments
Resources
Best in Wealth
Subscribe
Companies
About us
Privacy
Terms of Use
RSS
People
Newsletter
Authors
Contact us
External contributors
Copyright © 1996-2022 Key Media Pty Ltd
help keep clients invested and grow their wealth. This, in turn, allows advisors to truly shine through deeper client support and holistic financial planning.
Contact your Canada Life Wealth wholesaling team for more information about the suite of managed solutions and how they can benefit you, your clients, and your practice.
WHIPSAWING MARKETS can shred clients’ nerves. Having put their hard-earned money into investments, suddenly their financial goals feel under threat. At best, this is deeply worrying. At worst, panic sets in and clients withdraw money and miss out on significant returns when markets bounce back.
For advisors, this is the perfect time to add value, in terms of both portfolio performance and client relationships, but, as we head into 2023, volatility and economic uncertainty mean time is at a premium. Advisors are expected to build suitable portfolios and to monitor and rebalance continuously. In addition, ongoing client communication is crucial to providing tactical and emotional support. There are also, of course, strict compliance demands.
Staying on top of all these moving parts is no easy task, and Canada Life has developed a suite of five managed solutions designed to provide clients with a potentially smoother experience and allow advisors to focus on delivering value and building their practice. By entrusting portfolio building, monitoring and rebalancing to managers with deep expertise in their field, these solutions offer advisors the opportunity to scale efficiently and focus on serving their clients, especially during volatile markets.
Losses hurt – research tells us the psychological pain of losing is felt 2.5 to 7x more than the impact of winning – and with declines across equities and fixed income in 2022, many investors are feeling the pain. These fund-of-fund products are made up of a diverse mix of equity, fixed income, cash, and other funds designed to protect against market swings and shifting market conditions. Managed solutions can also hold assets that some investors may not have access to, such as real estate and private equity. Here’s a breakdown of Canada Life’s five offerings to help you determine which are most suitable for your clients.
WHIPSAWING MARKETS can shred clients’ nerves. Having put their hard-earned money into investments, suddenly their financial goals feel under threat. At best, this is deeply worrying. At worst, panic sets in and clients withdraw money and miss out on significant returns when markets bounce back.
For advisors, this is the perfect time to add value, in terms of both portfolio performance and client relationships, but, as we head into 2023, volatility and economic uncertainty mean time is at a premium. Advisors are expected to build suitable portfolios and to monitor and rebalance continuously. In addition, ongoing client communication is crucial to providing tactical and emotional support. There are also, of course, strict compliance demands.
Staying on top of all these moving parts is no easy task, and Canada Life has developed a suite of five managed solutions designed to provide clients with a potentially smoother experience and allow advisors to focus on delivering value and building their practice. By entrusting portfolio building, monitoring and rebalancing to managers with deep expertise in their field, these solutions offer advisors the opportunity to scale efficiently and focus on serving their clients, especially during volatile markets
Losses hurt – research tells us the psychological pain of losing is felt 2.5 to 7x more than the impact of winning – and with declines across equities and fixed income in 2022, many investors are feeling the pain. These fund-of-fund products are made up of a diverse mix of equity, fixed income, cash, and other funds designed to protect against market swings and shifting market conditions. Managed solutions can also hold assets that some investors may not have access to, such as real estate and private equity. Here’s a breakdown of Canada Life’s five offerings to help you determine which are most suitable for your clients.
Target-Risk Asset Allocation Funds
• These are traditional active asset allocation funds, providing advisors and their clients with an entire diversified portfolio, including real estate. They’re focused on seeking to provide returns within a target risk level. One hundred percent of the portfolios are performing above median over the past one, two, and three years, and 80 percent (mutual funds) performed in the first or second quartile over three years annualized as of September 30, 2022.
• Who’s this for? Clients looking for a quick, easy-to-understand solution who are possibly saving for a down payment and/or starting to build retirement savings. They’re comfortable with more risk and want a balance between this and return expectations.
Staying on top of all these moving parts is no easy task, and Canada Life has developed a suite of five managed solutions designed to provide clients with a potentially smoother experience and allow advisors to focus on delivering value and building their practice. By entrusting portfolio building, monitoring and rebalancing to managers with deep expertise in their field, these solutions offer advisors the opportunity to scale efficiently and focus on serving their clients, especially during volatile markets
Losses hurt – research tells us the psychological pain of losing is felt 2.5 to 7x more than the impact of winning – and with declines across equities and fixed income in 2022, many investors are feeling the pain. These fund-of-fund products are made up of a diverse mix of equity, fixed income, cash, and other funds designed to protect against market swings and shifting market conditions. Managed solutions can also hold assets that some investors may not have access to, such as real estate and private equity. Here’s a breakdown of Canada Life’s five offerings to help you determine which are most suitable for your clients.
Target-Risk Asset Allocation Funds
• These are traditional active asset allocation funds, providing advisors and their clients with an entire diversified portfolio, including real estate. They’re focused on seeking to provide returns within a target risk level. One hundred percent of the portfolios are performing above median over the past one, two, and three years, and 80 percent (mutual funds) performed in the first or second quartile over three years annualized as of September 30, 2022.
• Who’s this for? Clients looking for a quick, easy-to-understand solution who are possibly saving for a down payment and/or starting to build retirement savings. They’re comfortable with more risk and want a balance between this and return expectations.
Losses hurt – research tells us the psychological pain of losing is felt 2.5 to 7x more than the impact of winning – and with declines across equities and fixed income in 2022, many investors are feeling the pain. These fund-of-fund products are made up of a diverse mix of equity, fixed income, cash, and other funds designed to protect against market swings and shifting market conditions. Managed solutions can also hold assets that some investors may not have access to, such as real estate and private equity.
Here’s a breakdown of Canada Life’s five offerings to help you determine which are most suitable for your clients
Target-Risk Asset Allocation Funds
• These are traditional active asset allocation funds, providing advisors and their clients with an entire diversified portfolio, including real estate. They’re focused on seeking to provide returns within a target risk level.