Qube Consulting

 

 
Investment Management 
We strive to offer a professionally managed and disciplined investment experience. Utilizing a Portfolio Manager approach, we aim to excel in communication, evaluation and performance to deliver unique advisory services for clients over the long term. We offer advice in a wide range of environments and have enjoyed building positive client relationships for the past decade.

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Individual Pension Plans (IPPs) 
All owner-managers and senior executives should consider an IPP as a tool to boost their retirement savings. All senior staff should be able to count on at least a strong stream of retirement income as the payoff for risk taken, long hours and general stress of being an entrepreneur. Some basic facts of an IPP:

• Applicable to those over age 40 with incomes over $60,000.
• A substitute for an RSP program going forward.
• Designed to hold conservative investment portfolios.

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Multiple Employee Plans 
Capital Accumulation Plans (CAP) came into place in 2004/05. This means that the employer now has a responsibility to ensure employees understand the importance of retirement planning, how to invest retirement funds and other basic facets of retirement planning. Please contact us to review your plan to ensure it is CAP compliant. These guidelines effect:

• Defined Contribution Plans - such plans should be reviewed for conversion to a GRSP in addition to CAP compliance.
• Group RSP Programs - such plans should be reviewed for cost efficiency in addition to CAP compliance.
• Other Group Savings Plans

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Portfolio Strategy 
Our strategies are not complex and are reviewed every six months. We specialize in pension and retirement investment management which means the strategy employed is conservative. No client takes a position beyond their comfort level. We attempt to take less risk than the average investor (as seen in the market index), while achieving a higher return. Factors reviewed in all portfolios include:

• Geographic Position
• Market Sector Position
• Capitalization (Size of the company)
• Management Style and Style Mix

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Performance Evaluation 
Once a strategy is agreed upon, it needs to be evaluated from two perspectives.

• First, the gross return which means how far the portfolio has grown since plan inception. Once this has been stated, we then convert the figure into an annualized rate so comparisons can be made.

• Second, the relative return is determined using a Modified Dietz Benchmark Analysis. Here we take each deposit made into the account and build a profile of how it would have performed should they have been placed into the general market indices. We use a mix of indices to match the risk profile of the account (cash, bond and equity markets). This analysis is key; it attempts to show customers if the strategy employed is working or not.

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Retirement Forecasts 
• Assistance compiling the relevant financial information required for the planning process.
• Examining Current Financial Status – development of a simple spreadsheet to outline the approximate income that can be generated by various assets in retirement. We call this a “Die Broke” analysis and it examines many factors for your retirement and provides valuable information to match expectations with financial realities, in an effort to direct the overall strategy.
• Setting Life Goals – confirm risk tolerance and build an investment strategy guide.
• Tax Planning – commentary on the impact or opportunities for tax planning.
• Recommendations to follow through and execute on the investment strategy.
• Tools & Resources to monitor and evaluate the strategy going forward.
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Corporate Held Investments 
Leaving surplus cash inside the corporation, or holdco, is not a clear decision anymore. The tax deferral available from corporate held investments can only be maximized if a tax smart portfolio is employed. In some Provinces, it can be detrimental to hold corporate held investments when they are placed in guaranteed or fixed income investments. All corporate held investments should be reviewed regularly not just for competitive performance, but also for realized tax savings.
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Beacon Securities Ltd is a member of IIROC and the Canadian Investor Protection Fund

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