Eddy Securities An approved trade name of ACPI
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Investments

How We Build Portfolios

We build portfolios for Canadian investors using factor-based funds. Over two decades we have worked with some of the largest firms in factor investing, helping them design and implement approaches built for the Canadian market.

Our approach

Factor investing is how, not what.

We build portfolios using factor investing, an approach based on decades of academic research into drivers of return such as value, momentum and quality. We have helped create factor-based ETFs, so we know how they are built, what they cost and how they behave, and we use that experience when we choose funds for client portfolios.

Each portfolio is fitted to your goals, time horizon and risk tolerance, documented through the account-opening and know-your-client process. Factor tilts can lag the broad market, sometimes for years, so we measure every portfolio against a plain index alternative and report the gap in years.

Before you invest

Factor investing carries risk, including long periods of lagging the broad market. We walk you through how a factor-based portfolio fits your goals before anything is invested.

The engine

Three factors we use, and their risks.

01

Value

Paying less for each dollar of earnings.

Value tilts toward companies priced low relative to their fundamentals. It has had long stretches of lagging the market as well as leading it.

02

Momentum

Letting strength do some of the work.

Momentum tilts toward stocks that have done well recently. It can reverse sharply, which is why we hold it alongside other factors.

03

Quality

Leaning toward profitable companies.

Quality tilts toward profitable, conservatively run companies. No factor removes the risk of loss.

Data foundation 21 yrs of Canadian factor data behind our research
How we report In years how long a portfolio takes to catch up when it lags its index
Why small gaps matter Under 1% a year a gap that small can move a recovery date by years
Two women stretching together in a park

Why this matters

Retirement is not about how much you make. It is about how fast you recover.

Much of the industry treats factors as the destination. We treat them as the engine. The destination is a retirement that stays on time.

See how Navette OS™ measures the result
Aligned Capital Partners Inc. Canadian Investment Regulatory Organization (CIRO) Canadian Investor Protection Fund (CIPF) member

Aligned Capital Partners Inc. (“ACPI”) is a full-service investment dealer and a member of the Canadian Investor Protection Fund (“CIPF”) and the Canadian Investment Regulatory Organization (“CIRO”). Investment services are provided through Eddy Securities, an approved trade name of ACPI. Only investment-related products and services are offered through ACPI/Eddy Securities and covered by the CIPF. Financial planning services are provided through Eddy Wealth. Eddy Wealth is an independent company separate and distinct from ACPI/Eddy Securities.