Portfolio Management Built For Long-Term Resiliency
Your portfolio should reflect what your wealth needs to accomplish.
JCIC builds and manages globally diversified investment portfolios around your goals, time horizon, income needs and tolerance for risk — combining disciplined portfolio management with a strategy tailored to you.
One Investment Discipline.
A Portfolio Built Around You.
Our investment approach is consistent. Your portfolio is personal.
Before deciding how your wealth should be invested, we consider the role it needs to play in your life — today and over the years ahead.
Your Goals
What does your wealth need to accomplish?Growth, income, preservation, legacy and future opportunities can all shape the portfolio.
Your Time Horizon
When might the capital be needed?Your investment mix should reflect whether your priorities are years or decades away.
Your Income Needs
Does your portfolio need to create cash flow?We consider current and future income needs alongside long-term growth.
Your Risk Profile
How much fluctuation fits your circumstances?Your strategy should take enough risk to pursue your goals without taking more than you need.
The Foundations Of Every JCIC Portfolio
Every client has different goals, but the principles behind our portfolio construction remain consistent.
Direct Ownership At The Core
We primarily invest directly in high-quality stocks and bonds, giving you greater transparency into what you own. Where another structure is more efficient or appropriate, we may use select investments tactically.
Liquidity And Flexibility
We build portfolios primarily around liquid public markets so your capital can remain accessible as your needs and opportunities change.
Global Opportunity
We look across countries, sectors and markets for attractive opportunities rather than limiting portfolios to Canada or any one region.
Purposeful Diversification
We combine growth, income and stability according to the role each needs to play in your portfolio.
Different portfolios. Consistent principles.
Why We Look Beyond Canada
Canada is home to many strong businesses, but it represents only a small part of the global equity market.
Looking around the world gives JCIC access to industries, companies and opportunities that may not exist at home. Kai Lam explains how a global investment perspective can broaden the opportunity set without limiting your portfolio to one country or region.
Built Around Your Objectives
No two clients need the same balance of growth, income, stability and liquidity.
Your Investment Policy Statement helps define the role each asset class should play. Explore examples of how JCIC’s Income, Balanced, Growth and Equity mandates may be structured.
The allocations shown are illustrative. Your portfolio may differ based on your objectives, circumstances and investment mandate.
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- Fixed Income 35%
- Canadian Equities 25%
- U.S. Equities 25%
- International Equities 10%
- Cash & Equivalents 5%
Illustrative allocation for the Balanced portfolio.
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- U.S. Equities 30%
- Canadian Equities 30%
- Fixed Income 25%
- International Equities 10%
- Cash & Equivalents 5%
Illustrative allocation for the Growth portfolio.
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- Fixed Income 45%
- Canadian Equities 30%
- U.S. Equities 10%
- International Equities 5%
- Cash & Equivalents 10%
Illustrative allocation for the Income portfolio.
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- U.S. Equities 40%
- Canadian Equities 40%
- International Equities 15%
- Cash & Equivalents 5%
Illustrative allocation for the Equity portfolio.
Active Management Through Market Cycles
We are long-term investors, not short-term traders.
Markets, businesses and opportunities change. Our portfolio managers remain actively engaged while keeping the long-term strategy in focus.
Daily Oversight
Our portfolio managers monitor markets, holdings and changing risks and opportunities while keeping your long-term objectives at the centre of the strategy.
Disciplined Rebalancing
We adjust portfolios as allocations, valuations and opportunities change — helping keep the strategy aligned with its intended balance of risk and return.
Tax-Aware Management
We consider tax consequences when making portfolio decisions, including opportunities to realize losses and manage gains more efficiently.
Relted Wealth Management Services
Retirement
Income
Planning for reliable income, tax efficiency and long-term capital preservation throughout retirement.
Corporate
Investing
Investment management for business owners, incorporated professionals and corporate assets.
Tax
Planning
Tax-aware investment decisions coordinated with your broader financial, accounting and estate planning priorities.
Frequently Asked Portfolio Management Questions
What is portfolio management?
Portfolio management is the process of building, managing and adjusting an investment portfolio around a client’s goals, time horizon, income needs and tolerance for risk.
At JCIC, portfolio management includes investment selection, diversification, ongoing oversight, tax-aware decision-making and regular reviews as markets and client needs change.
How does JCIC build a client portfolio?
We start by understanding your goals, current financial picture, time horizon, income needs and risk profile.
From there, we design a globally diversified investment strategy that may include equities, fixed income and cash depending on the role each part of the portfolio needs to play.
What makes JCIC’s portfolio management approach different?
JCIC is independently owned and manages portfolios with a focus on liquidity, transparency, global opportunity and long-term discipline.
We are not required to recommend bank-owned products or proprietary funds. Our investment decisions are guided by each client’s objectives and our disciplined investment process.
Do you provide discretionary portfolio management?
Yes. JCIC provides professional portfolio management so clients can rely on experienced investment professionals to manage their portfolios within an agreed strategy and mandate.
We keep clients informed through ongoing communication, portfolio reviews and clear explanations of the decisions being made.
Can I transfer my current portfolio to JCIC without selling everything immediately?
Often, yes. In many cases, existing investments can be transferred in kind rather than sold immediately.
Once we understand your holdings, tax position and long-term objectives, we can transition the portfolio carefully and tax-consciously over time.
How does JCIC manage portfolios over time?
We actively monitor portfolios, market conditions, valuations, risk, income needs and changing client priorities.
Portfolio adjustments may include rebalancing, tax-aware decisions, changes to asset mix or updates based on the client’s evolving goals.
Build A Portfolio Around What Matters Most
If you have $500,000+ to invest and want a more disciplined, personal approach to portfolio management, we invite you to start a private conversation with JCIC.
Request a Private Portfolio Review