Approach to asset allocation
The CIBC Private Wealth Asset Allocation Committee (AAC) provides value through a collaborative approach to developing the firm’s asset allocation guidelines and recommendations. Our team of highly experienced, core investment and relationship management professionals scrutinizes economic, political and market events around the globe, both gradual and sudden, and then identifies what we think are the best opportunities across all asset class, global geographic regions and funds to be represented in your portfolio. We do not subscribe to a market timing approach to investing, but rather, we emphasize a long-term horizon that is also flexible, allowing us to make modifications that are intended to add value to your portfolio over time. Our goals are to:
- Preserve capital
- Maintain purchasing power vs. inflation
- Grow capital through solid risk-adjusted returns
- Minimize potential losses by diversifying across asset classes, investment strategies and styles, and individual securities
Learn about our investment experts.
*Through legacy firms.
Customized, quality portfolios
We believe clients of significant wealth are best served by a customized asset allocation and investment strategy. Your wealth advisor considers your liquidity and income needs, time horizon, tax issues, return expectations, risk tolerance and asset constraints when using the guidance from the AAC to set your allocation and choose the most appropriate managers.
Customized portfolio alt boxes
Seeking clarity to risk tolerance
Risk tolerance and risk perception are central to long-term investing success—as is the risk management expertise of your wealth management team.
Asset allocation: Seek significant and sustainable opportunities
Thirty years ago, asset allocation was generally a “plain vanilla” mix of 60/40 stocks and bonds, mostly from the U.S. Plenty has changed, turning asset allocation into a science—but one that still needs a liberal dose of artful judgment.
Is active management still relevant?
Passive strategies may excel in low interest rate environments, but the next few years are likely to be the opposite: tighter monetary policy, a maturing economic cycle and rising rates.