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RBC Financial Planning - Investment Planning

Welcome to Investment Planning

 
"This time, like all other times, is a very good time, if we but know what to do with it."      Ralph Waldo Emerson

And that sums up what this Investment Planning section is all about. If you stick to proven principles of successful investing, you can find that this time is indeed a very good time, even with today’s volatile markets.

The information you’ll find here is based on proven principles of successful investing, such as diversification, strategic asset allocation and personalized risk management.

Click on the topics below and you’ll find tips and advice on how to make the best investment decisions for your situation today and achieve your goals for tomorrow.

One of the first things you should think about
How to minimize risk and maximize your returns
Choosing the right tools to build your portfolio
Investment strategies aimed at minimizing taxes
The best ways to save for education
How to make more of your time and money

Strategies to safely accumulate wealth

For most of the 90’s, it wasn’t too difficult to invest safely and accumulate wealth. With one of the biggest bull markets of all time and the ease of online trading, just about everyone got into the market. And just about everyone made money.

Some mutual funds and stocks were skyrocketing by 30%, 40%, 50% a year and more. Fixed income investments were providing excellent returns. All you had to do was jump aboard and enjoy the ride.

Most experts agree those days are over and that it may be some time before we see markets like those again. Many experts also believe that today’s volatile markets may be with us for some time to come.

Does that mean you should stay out of the stock market and stick to the safety of bonds and GICs? Should you give up on equities and be satisfied to know that you’re preserving your wealth? Should you just be happy that you’re not going to lose money?

Absolutely not. First of all, as you’ll learn in this section, even if you stay out of the stock market, you face another kind of risk. Plus there are plenty of investment portfolios earning solid returns, some even double digits. It’s just not as easy as it was in the high-flying 90s. Now it takes planning and time and effort to be a successful investor.

Successful investing also takes discipline, knowledge and experience

You need discipline to create a long-term investment plan and stick with it – to not panic or sell when you see your investments going down.

You need knowledge because there’s just so much information you have to keep up with. There are so many variables that can affect your investments, and they’re changing all the time.

And you need experience because there’s nothing that can take the place of hard-won experience, especially in the world of money and investing.

Plus as stated above, to be a successful investor today you have to go back to the tried and proven principles of successful investing – diversification and personally tailored asset allocation based on your risk tolerance.

If you’ve reached a stage in your life where you’d rather have someone else look after all this for you, or even if you’d like to just talk to an expert before you begin your own investment planning, click here to find the RBC financial planning professional closest to you.

Or if you’d like to learn more about investment planning right now, please continue by choosing one of the following topics.

One of the first things you should think about
How to minimize risk and maximize your returns
Choosing the right tools to build your portfolio
Investment strategies aimed at minimizing taxes
The best ways to save for education
How to make more of your time and money

Important information about our financial planning services can be found at the bottom of our homepage.

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financial planning
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  Tax Planning Guide
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  Planning Calculators

 

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 İRoyal Bank of Canada 1995-2014 Last modified: 05/12/2005 08:20:23