We are Different. So what has changed that caused our strategy to need to be different?
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1 BMO Nesbitt Burns Our priority in working with our clients is to assist them in achieving the fullness of life and to improve their condition including that of their families, heirs and charitable legacies.
2 The Big Picture 2
3 We are Different So what has changed that caused our strategy to need to be different? 3
4 Avoid Losses! When the stock market drops 50%, as in 2002 and 2008 in Canada, it required the market to climb back up 100%. The result is since 2008 Canadian investors in the S&P/TSX are still down almost 20% from the 2008 highs. Buy and Hold strategy has failed investors and put Retireability at risk. Losses have a greater negative impact, than profits have a positive benefit. 4
5 Buy and hold has failed investors DAILY CHART - NASDAQ February
6 Buy and hold has failed investors DAILY CHART - S&P TSX: Jan 2000 July 30, 2015 Grow Your Network Source: ThomsonOne 6
7 The New Normal 7
8 What has changed: Volatility Communication is faster than ever. We now hear and see events around the world and many driving fear into investment markets. Globalization is making the world a smaller place than it ever has been. Events and consequences affect us all, more so than ever. Technology is expanding rapidly, manufacturing is changing over to intellectual property, money moves faster. Expect markets in the next ten years to be increasingly more volatile than the past two decades. 8
9 The Next Bubble? We saw in 2000 the breaking of the tech bubble, 2008 the housing bubble These events are felt globally, not just locally. What will be the next bubble? We need to protect against losses and avoid the mistakes of the following the herd. 9
10 The Herd Mentality Investment process must allow us to avoid the myths of Wall Street and to act independently from the herd. 10
11 Risk Management Equity Action Call Source: SIAcharts 11
12 A convincing argument for why we manage differently Point & Figure Relative Strength How does it work on a Macro Level? The Relative Strength Comparison Chart can compare any two Asset Classes Source: SIAcharts 12
13 Relative Strength Relative Strength How does it work on a Micro Level? S&P/TSX60 Index: Calculating Relative Strength within Index All scores are calculated and ranked from Top to Bottom Magna won 95% of all Relative Strength comparisons and thus ranked #1 Source: SIAcharts 13
14 Relative Strength Relative Strength How does it work on a Micro Level? Avoid stocks in the Red Unfavoured Zone to reduce risk Source: SIAcharts 14
15 The Solution: Disciplined Investment Analysis Strategy Identifies which market, sector or other investment option is in a favoured position - strongest market demand. 15
16 Risk Management Equity Action Call Feb 2008 May 2009 Aug 2011 Jan 2012 Source: SIAcharts 16
17 Risk Management Equity Action Call Ridd Schultz Wealth Advisory Group Equity Action Call Feb 2008 May 2009 Aug 2011 Dec 2011 Jul 01, 2015 Source: SIAcharts 17
18 Disciplined: Emotion is removed. Hold only the strongest asset classes. A point of entry and exit, what to buy, when to buy and which market to buy relative to other options.in 2000 the breaking of the tech bubble, 2008 the housing bubble We need only follow the discipline. No need to rely on someone else to protect us in crisis Money managers have to stay invested at all times we don t Ability to go to cash or other asset classes anytime because sometimes cash is the best investment decision Rules based investing 18
19 Disciplined Equity Strategy Portfolios North American Total Equity Portfolio Disciplined Equity Strategy Relative Strength Technical Analysis Utilize four main components to narrow full universe of North American stocks to approximately 200 stocks and Exchange Traded Funds Rank resulting names based upon our proprietary Relative Strength Analysis. (1) U.S. Equity: (2) CBOE List: (3) Canadian Equity: (4) Relative Strength Volume >= 1,500, Highest Ranked Stocks Volume >= 250, Highest Ranked ETF's Beta <= 1.25 CBOE Universe Beta <= 1.25 Cdn, US and Int'l Equity, Bonds, Price >= $30.00 Large Cap, High Volume, High Beta Price >= $10.00 Commodities, Real Estate and Yield >= 1% Limited to 5 Per Portfolio Yield >= 1% or Cash or equivalents. $CDN and $US Portfolios Each Restricted to 15 Securities & Maximum 2 From Any Single Industry Classification Security Name Symbol Current Price Yield % of Portfolio CASH Cash $ % 5.00% CASH Cash $ % 5.00% CASH Cash $ % 5.00% CASH Cash $ % 5.00% AMAZON.COM INC AMZN-us $ % 5.00% AKAMAI TECHNOLOGIES INC AKAM-us $ % 5.00% HOME DEPOT INC HD-us $ % 5.00% MOODY'S CORPORATION MCO-us $ % 5.00% MOHAWK INDS INC MHK-us $ % 5.00% MARTIN MARIETTA MATL INC MLM-us $ % 5.00% NIKE INC NKE-us $ % 5.00% POWERSHARES DYN PHARMA PORT PJP-us $ % 5.00% STARBUCKS CORP SBUX-us $ % 5.00% UNITEDHEALTH GROUP INC (DEL) UNH-us $ % 5.00% VALEANT PHARMACEUTICALS INTL INC CD VRX-us $ % 5.00% BMO Tactical Global ETF Fund GGF % 5.00% BMO Tactical Global ETF Fund GGF % 5.00% ISHARES U.S. FUNDAMENTAL INDEX ETF CLU'c-t $ % 5.00% BMO LOW VOLATILITY US EQUITY ETF ZLU-t $ % 5.00% BMO EQUAL WEIGHT US HEALTH CARE HD ZUH-t $ % 5.00% North American Total Equity Portfolios Annualized Yield: 0.74% % Additional Embedded MER 0.19% 19
20 Protecting Retireability. Our discipline has kept us in a strong position protecting Retireability. RIDD SCHULTZ WEALTH ADVISORY GROUP MODEL PORTFOLIOS as at August 31, 2015 Name YTD Year Alphafolio Total Equity Model 11.84% 18.24% 13.71% 39.06% 7.80% Alphafolio Growth Model 10.78% 16.47% 12.74% 34.83% 7.45% Alphafolio Balanced Model 8.11% 12.11% 10.32% 24.70% 6.45% Alphafolio Income Model 4.90% 6.97% 7.43% 13.32% 5.99% ishares DEX Bond Universe (XBB.TO) 2.55% 4.48% 8.28% -1.31% 3.01% S&P/TSX Composite Index (TSX.I) -5.24% % 7.42% 9.55% 4.00% S&P 500 Index (SPX.I $CDN) 9.17% 19.88% 21.90% 38.69% 10.36% 20
21 Total Equity Portfolio Characteristics Alphafolio Total Equity Model Portfolio Statistics as at August 31, 2015 Outperformance with lower risk parameters than the market. (As measured by Beta) YTD Alphafolio Total Equity Model Report 11.84% 13.71% 39.06% 7.80% 10.91% S&P/TSX Comp Index -5.24% 7.42% 9.55% 4.00% % S&P 500 Index 9.17% 21.90% 38.69% 10.36% 2.26% Alphafolio Dividend and Growth Stocks 13.51% 14.66% 43.07% 14.53% 17.46% Alphafolio Favoured ETFs 6.82% 10.82% 27.50% 0.04% 4.23% Risk/Reward Analysis Alphafolio Total Equity Portfolio S&P/TSX Annualized Compound ROR 19.26% 6.71% Annualized Std. Deviation 9.66% 7.83% 12 Month Return 18.23% % Winning Months 71.60% 61.73% Average Monthly Gain 2.95% 2.70% Average Monthly Loss -2.17% -2.76% Monthly Std. Deviation 2.79% 2.26% Sharpe Ratio Alpha Beta R-Squared 5.61 Trailing Twelve Month Yield 1.18% 21
22 Client Commitment Keeping Everyone First Informed Contact regular and consistent Statements monthly Quarterly consolidated reporting Weekly E-Blasts Track and Review the Plan 22
23 The Big Picture We are a professional and dynamic team, building trust relationships and with a defined client commitment strategy. We strive to make a difference in the lives of our clients. We are different. 23
24 The Ridd Schultz Wealth Advisory Group Contact us for further information on how we can help you. John G. Ridd, PFP CIM FMA FCSI Vice President l Wealth Advisor l Portfolio Manager Kim Schultz, PFP CIM FCSI Wealth Advisor l Portfolio Manager Megan Lisowski Investment Representative Michelle Silva Investment Representative (905) Fax: (905) Toll free: 1(800) Ridd.schultz@nbpcd.com BMO Nesbitt Burns Aurora Yonge & Wellington, c/o BMO Bank of Montreal, Yonge Street, Aurora, ON, L4G1N4 BMO Nesbitt Burns Aurora Bayview & Wellington, c/o BMO Bank of Montreal, 668 Wellington Street East, Aurora, ON L4G 0K3 BMO Nesbitt Burns Newmarket, Yonge Street Suite 221, Newmarket, Ontario, L3Y 8J4 24
25 Disclaimers BMO Wealth Management is the brand name for a business group consisting of Bank of Montreal and certain of its affiliates, including BMO Nesbitt Burns Inc., in providing wealth management products and services. BMO (M-bar roundel symbol) is a registered trade-mark of Bank of Montreal, used under license. Nesbitt Burns is a registered trade-mark of BMO Nesbitt Burns Inc. BMO Nesbitt Burns Inc.is a wholly-owned subsidiary of Bank of Montreal. If you are already a client of BMO Nesbitt Burns, please contact your Investment Advisor for more information. Member-Canadian Investor Protection Fund and Member of the Investment Industry Regulatory Organization of CanadaBMO Nesbitt Burns Inc (BMO NBI) provides this commentary to clients for informational purposes only. The information contained herein is based on sources that we believe to be reliable, but is not guaranteed by us, may be incomplete or may change without notice. The comments included in this document are general in nature, and professional advice regarding an individual s particular position should be obtained. BMO NBI.is a subsidiary of Bank of Montreal and Member-Canadian Investor Protection Fund. BMO (M-bar Roundel symbol) is a registered trademark of Bank of Montreal, used under licence. Nesbitt Burns is a registered trademark of BMO NBI, used under licence. BMO NBI is a wholly-owned subsidiary of BMO Nesbitt Burns Corporation Limited, which is a majority-owned subsidiary of the Bank of Montreal. BMO NBI is a member of CIPF. Bank of Montreal or its affiliates may act as a lender or provide other services to certain of the corporations mentioned herein and may receive remuneration for the same. BMO (M-bar roundel symbol) is a registered trade-mark of Bank of Montreal, used under licence. Nesbitt Burns and Managed Portfolio Account are registered trade-marks of BMO Nesbitt Burns Corporation Limited, used under licence. The calculation of performance data set forth herein has been prepared by the author as of the date hereof and is subject to change without notice. The author makes every effort to ensure that the contents have been compiled or derived from sources believed to be reliable and contain information and opinions, which are accurate and complete. However, BMO Nesbitt Burns Inc. ( BMO NBI ) makes no representation or warranty, express or implied, in respect thereof, takes no responsibility for any errors and omissions which may be contained herein and accepts no liability whatsoever for any loss arising from any use of or reliance on this report or its contents. Information may be available to BMO NBI or its affiliates that is not reflected herein. This report is prepared solely for information purposes. Please note that past performance is not necessarily an indicator of future performance. The indicated rates of return are gross of fees or commissions. Individual results of clients portfolios may differ from that of the model portfolio as fees may differ, and performance of specific accounts is based on specific account investiture. The noted model portfolio may not be appropriate for all investors. This report is not to be construed as an offer to sell or a solicitation or offer to buy any securities. BMO NBI, its affiliates and/or their respective officers, directors or employees may from time to time acquire, hold or sell securities mentioned herein as principal or agent. BMO NBI may act as financial advisor and/or underwriter for certain corporations mentioned herein and may receive remuneration for same. *Both Associate Portfolio Managers and Portfolio Managers can offer the BMO Nesbitt Burns Managed Portfolio Account to clients. For simplicity, we have used the term Portfolio Manager. Bank of Montreal or its affiliates may act as a lender or provide other services to certain of the corporations mentioned herein and may receive remuneration for the same. The opinions, estimates and projections contained herein are those of the author as of the date hereof and are subject to change without notice and may not reflect those of BMO Nesbitt Burns Inc. ( BMO NBI ). Every effort has been made to ensure that the contents have been compiled or derived from sources believed to be reliable and contain information and opinions that are accurate and complete. Information may be available to BMO Nesbitt Burns or its affiliates that is not reflected herein. However, neither the author nor BMO NBI makes any representation or warranty, express or implied, in respect thereof, takes any responsibility for any errors or omissions which may be contained herein or accepts any liability whatsoever for any loss arising from any use of or reliance on this report or its contents. This report is not to be construed as an offer to sell or a solicitation for or an offer to buy any securities. BMO NBI, its affiliates and/or their respective officers, directors or employees may from time to time acquire, hold or sell securities mentioned herein as principal or agent. BMO Nesbitt Burns Inc. and BMO Nesbitt Burns Ltee/Ltd. ("BMO Nesbitt Burns") will buy from or sell to customers securities of issuers mentioned herein on a principal basis. BMO Nesbitt Burns, its affiliates, officers, directors or employees may have a long or short position in the securities discussed herein, related securities or in options, futures or other derivative instruments based thereon. BMO Nesbitt Burns or its affiliates may act as financial advisor and/or underwriter for the issuers mentioned herein and may receive remuneration for same. A significant lending relationship may exist between Bank of Montreal, or its affiliates, and certain of the issuers mentioned herein. BMO NBI is a wholly owned subsidiary of BMO Nesbitt Burns Corporation Limited which is a majority-owned subsidiary of Bank of Montreal. Any U.S. person wishing to effect transactions in any security discussed herein should do so through BMO Nesbitt Burns Corp. and/or BMO Nesbitt Burns Securities Ltd.
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