Top Performing Stocks
Using our in-house proprietary system and Client’s risk profile we have been delivering returns ranging from 10 to 25%.
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Infra Trade’s Diversified Portfolio Approach
We’re the digital, low-cost alternative that gives investors a better choice
in an industry that’s historically been stacked against you.
Invest with the Global Leader in Portfolio Management
Help take the stress out of financial decisions by letting relativity capital grow and protect your portfolio while providing timely guidance for each decision.
Infra Trade Vision- Innovative. Reinventing. Disrupting.
At Infra Trade, we have been continuously transforming the traditional money management industry, in order to open the financial markets to everyone, everywhere.
- Investment GoalsInvest money for your future
- BalanceDiversification is the key
- CostIdentify the right instrument
- DisciplineCritical for every Investor
Plan your Financial Freedom
Any investment plan needs to start with a financial goal. Different goals require different investments. Each goal should have its own investment plan. Even the most basic financial goal needs two key components.
Amount – How much do you need to save?
Timing – When do you need it?
Every financial goal needs its own investment plan. Asset allocation, tax strategy, risk profiles, liquidity requirements are different for each goal. In general goals can be broken down by time, short-, medium- and long-term goals.
- Create a Budget
- Be mindful of expenses
- Zero Base Budget for Assets
- Plan with vision
- Be an Investor
- Save regularly
- Create a Budget
- Be mindful of expenses
- Zero Base Budget for Assets
- Plan with vision
- Be an Investor
- Save regularly
Having the right balance of investments is important. You need to define your asset allocation based on your investment goal and your personal risk tolerance. Once you set this in your investment plan it shouldn’t change.
Leaning too far towards stocks will increase your returns but also your risk. For a risk averse investor this can cause unnecessary anxiety. On the flip side, leaning too far towards bonds/bank deposits will reduce risk but also reduce returns. Lower returns may lead you to miss your financial goals over the long-term.
Finding the right balance between risk and return is important for the individual investor. You don’t want to take on more risk than necessary.
Online investor risk profiles can help you decide your risk tolerance.
Don’t underestimate the impact of cost
Cost can be a major drag on your portfolio. Any good investment plan will outline the various costs and how they impact your ability to achieve your financial goals.
There are three components to cost.
Annual investment fees on the funds you use, also referred to as MER or Management Expense Ratio.
Trading costs when buying/selling these funds.
Tax efficiency of your investments, also referred to as asset location.
Investors need to have an investment plan that outlines the cost of their investments. A good investment plan will seek to reduce investment costs both now and in the future.
Investing with low cost ETFs is a great way to reduce MER. Using discount brokerage services that allow for free ETF purchases will reduce your trading costs. Ensuring you utilize tax advantaged accounts will help increase your tax efficiency.
Cost can be a major drag on your portfolio
Don’t underestimate the impact of costs. A low-cost three fund ETF portfolio can have a MER of 0.15% vs 1.5%+ for mutual funds. Using a discount broker can reduce your trading cost from $5-20 per purchase to zero. These two changes can help your investments grown by an additional $189,682 over 40 years.
- Create a Budget
- Be mindful of expenses
- Zero Base Budget for Assets
- Plan with vision
- Be an Investor
- Save regularly
Disciplined investors we’d like to be
The final and possibly most important component of any investment plan is discipline. A good investment plan will include clear guidelines for reviewing and rebalancing your portfolio.
Pre-set guidelines will help you avoid the emotional and irrational behaviour many individual investors face during difficult times.
Rebalancing of your investment portfolio should occur on a predetermine schedule and include two “rules.”
Rule one: rebalance your investments quarterly using new funds/dividends only. This will help reduce trading costs from selling/buying.
Rule two: only when the allocation drifts by more than 5% from the original goal should selling/buying be used to rebalance. This should be done once annually and at the same time each year.