Have you heard about goals-based investing? With goals-based investing, you’re in control. You can focus on how your investments are helping you reach your goals. You’re probably thinking, “I already invest to help fund my goals and dreams.” 

But, how’s this working for you? Can you connect your account balance with your real-life activities and goals? Do you know if the money you’re putting away today will be enough for your kids’ education, or your retirement?

This is where Constellation Managed Portfolios helps out.

Constellation connects the dots between your investments and your goals

Constellation is a great goals-based investment program, based on the following value statements:

  1. You have control. With Constellation, you create your investment strategy. You set your specific goals and establish your risk tolerance for each. You’ll get custom portfolios for each of your goals, helping you to stay within your timeline and risk comfort zone. 
  2. You have support. Investing can be complicated and confusing but it doesn’t have to be. That’s why I’m here – to help and coach you to be more successful in achieving your goals. Studies show that advised households accumulate as much as 2.73 times more assets than otherwise identical non-advised households, after 15 years or more working with a financial advisor.
  3. You can connect the dots. You can view your investments online to track your progress towards each goal. You’ll see your contributions adding up almost immediately. It’s a great way to check-in regularly on your investments and helps you make the connection between your investments and your goals.

How Constellation works

Constellation provides a research-based, unbiased portfolio; combining asset allocation, a unique suite of funds and real-time reporting.

Asset allocation

After you set your goals, we’ll work together to determine your timeline and risk tolerance for each of them. Constellation calculates a recommended asset mix for each goal – for example, 40% equities and 60% fixed-income. 

A unique suite of funds

I’ll work with you to build a Pathways fund portfolio based on the ideal asset mix for each of your goals. Each fund focuses on a single asset class (for example, only Canadian equities, or only fixed income). They’re more straightforward and are great building blocks.

Real-time reporting

You can check on your investments online and in real time with Constellation. You’ll see your holdings and fund performance to easily track your progress. You’ll also be able to find your transaction history, including your negotiated fee payments. 

Want to learn more about Constellation and goals-based investing? 

Let’s talk! Give us a call at 613-834-4186 or email karen.mcnamara@f55f.com

Karen McNamara, PFA, QAFP, CHS

Professional Financial Advisor, Freedom 55 Financial

613-834-41864

Karen.McNamara@F55F.com

 The Investment Funds Institute of Canada, New evidence on the value of financial advice, 2012, www.ific.ca