Risk management is the art and science of balance.

Any kind of investing involves an element of risk. Stock prices go up and stock prices go down. Mutual funds fluctuate in value. Interest rates rise and fall. In today's low-interest-rate environment, even guaranteed investments such as GICs and Canada Savings Bonds can expose a portfolio to risk.

At Charanduk Financial Services, building the proper portfolio for your needs is our priority. Working with a Chartered Financial Analyst from Paterson and Associates, we have developed a process which allows us to measure the amount of volatility in your portfolio on a monthly basis. What does this mean for you? A balanced portfolio which will not have the swings from high to low that so many investors experienced over the last five years. We are striving for consistent steady growth.

Sample Risk Optimization Report

Over our 15 years in the business, we've learned that there's no such thing as a perfect market. We've learned that, in any market environment, the best investment decisions are the ones made in keeping with good risk-management principles.

The result is welcome news for our clients, who can feel confident that their expectations are in line with what will actually happen in their accounts. It means we can sleep well at night.