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Investment Management

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A Portfolio Manager provides an elevated level of wealth management

You’ve worked diligently to build your assets and investment portfolio, providing you with peace of mind and financial stability. Now, it’s time to ensure your wealth continues to grow, allowing you to enjoy the lifestyle you’ve earned.

 

We believe the most effective approach is through discretionary wealth management, exclusively provided by advisors with the Portfolio Manager designation. A Portfolio Manager is a trusted and elite professional with advanced credentials and  track record, dedicated to delivering an exceptional level of client service.

Advantages of partnering with a Portfolio Manager.

We believe that comprehensive personal wealth planning, backed by unbiased advice, collaboration, and transparency, is essential to meeting your needs and achieving your goals.

Dynamic Management

Entrusting day-to-day decisions to a Portfolio Manager enables swift responses to unexpected market fluctuations, enhances asset protection during challenging market conditions, and allows for the capitalization on unforeseen investment opportunities.

 Peace of mind

Based on an Investment Policy Statement tailored to your specific needs, a Portfolio Manager adheres to regulatory standards and a rigorous investment discipline, providing added security.

Transparent Value-based Pricing

Portfolio Manager fees are transparent and calculated as a percentage of your investments, rather than being commission-based on high transaction volumes. Additionally, these fees may be tax deductible for non-registered accounts.

Comprehensive Reporting

In addition to the monthly or quarterly reports required by industry regulations, Portfolio Managers also provide additional reports that give a consolidated overview of all your accounts.

Bulk Trading

A Portfolio Manager can efficiently execute trades for all clients simultaneously, ensuring that everyone equally benefits from market opportunities.

Customizable Choices

A Portfolio Manager has access to a diverse range of investment options, including bonds, stocks, mutual funds, ETFs, and alternative investments, offering you the best strategies and instruments to grow your wealth.

Advanced Credentials

The Portfolio Manager designation provides a superior standard of wealth management and demands the utmost level of education and experience in the investment sector.

Strategic Tax Planning

Certain investment strategies offered by a Portfolio Manager can provide tax advantages, enhancing your ability to accumulate wealth both now and during retirement.
A Portfolio Manager’s fiduciary duty requires them to act with the utmost care, honesty, and good faith, making investment decisions that are unbiased, independent, and always in your best interest.

Reponsibility

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Choose your personalized & customized Financial Advisory Services

Individuals might opt to switch advisors if they feel that their current advisor's expertise no longer matches their evolving needs and they seek someone with more advanced skills.

Our Portfolio Management Services

Comprehensive Services and with Transparent fees!

Active review, personalized solutions, and constant optimization of investment solutions based on established methods.

Save time and efforts by outsourcing the Investment research, analysis and day to day management.

Unparalleled access to global investment solutions beyond traditional avenues.

Customized planning taking into account factors such as risk, time horizon, tax implications and long term objectives

Continuously  minimizes tax implications and optimizes after-tax investment returns.

Regular communication with market memos, and periodic reviews of investment and how they track against goals.

Offers full transparency with constant access to a dedicated Portfolio Manager.

Proprietary Bank Advisor

Embedded fees, unclear total cost and benefit!

Standardized questionnaires for investment recommendations.

Focuses on proprietary mutual funds and getting deals on credit cards, credit lines, and bank accounts.

Standardized approach towards retirement  planning and analysis

Offer support but lacks dedicated, personalized advisory access.

Self Directed Investor

Free, but could be costly due to potential mistakes!

Relies on filtering through research, 'hot' tips, and family/friend suggestions and emotional choices

Requires significant time to manage life savings.

Minimal retirement  planning and analysis

Our expansive product offering provides clients with choices tailored to fit their financial goals and advanced investment needs, via four distinct account management platforms:
  • Discretionary Account Management via Advisor Managed Program

  • Third party Portfolio Management via Masters Private Account Program

  • Fee-based wrap program via Premier Program

  • Traditional Self Directed Investment Accounts

Within the account management platform that we determine is the best fit for you and your family, we have the ability to source the appropriate investment products, including:
  • Stocks

  • ETFs

  • Bonds

  • Mutual funds

  • Money Market Fund, GICs

  • Alternatives, Structured Notes or Specialized Investment Products

What we Offer

what we provide

Account Types Available

  • Registered Retirement Savings Plans (RRSP)

  • Registered Retirement Income Fund (RRIF)

  • Locked in Retirement Account (LIRA)

  • Locked in Income Fund (LIF)

  • Tax Free Savings Accounts (TFSA)

  • Spousal Registered Retirement Savings Plan (SRRS)

  • Registered Education Savings Plan (RESP)

  • Personal Investment Account

  • Corporation Investment Account

  • GIC Account

  •  Individual Pension Plans - IPP

  • First Home Savings Account (FHSA)

  • Registered Disability Savings Plan (RDSP)

  • Informal and Formal Trusts Account

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WELCOME

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Our Approach

We provide you with a full range of investment solutions across asset classes and geographies – fixed income, equities, asset allocation, specialty mandates and alternative strategies – along with a variety of investment styles customized to meet your individual needs

Portfolio construction is more than just building better portfolios. It’s about increasing the likelihood that your clients’ investment outcomes match their goals.

+ Understanding Investor Needs

We understand your unique needs, and combined with sophisticated portfolio construction tools and services, we design investment strategies that deliver better outcomes for you.

+ Proven, world-class solutions

  • Multi-boutique shelf of core and niche investment solutions has you covered in any market condition.

  • Multi-asset solutions approach enables us to efficiently deliver robust, diversified portfolios with sophisticated risk management.

  • Access innovative strategies and the specialized expertise of global money managers.

+ Constructing Optimized portfolios

  • Wide range of tools and solutions help construct effective portfolios.

  • Customized portfolios using our unique strategies and modular approach as you progress through your life stages.

Partner with us to develop a personalized, independent review or your portfolio.

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Reach your Financial Goals

Building long-term wealth is simpler than you may think. Starting early to invest and working with an advisor can help you reach your financial goals.

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Value of Advice

Did you know, when it comes to your financial well-being, advice may be the difference between achieving your financial goals and falling short?

Masters Private Account Program-Portfolio Managers

Guaranteed Investment Certificate (GICs)

Annuities

Segregated Funds

Market Linked Structured Notes

Insightful Videos

InvestED with RBC GAM: Smart investing with stocks
03:28

InvestED with RBC GAM: Smart investing with stocks

This beginner-friendly video breaks down three key ways you can grow your investments: dividends, profit growth, and valuation changes. Using Apple as an example, we’ll explore how you can turn a $205 investment into much more over time. Smart strategies for both short-term traders and long-term investors! 💡 #StockMarket #Investing #FinancialEducation #MoneyTalks 🔔 Get the latest insights from RBC GAM delivered to your inbox: http://spr.ly/605329NbB InvestÉD avec RBC GMA : Investir intelligemment sur le marché boursier Cette vidéo destinée aux débutants présente trois moyens clés de faire fructifier vos placements : les dividendes, la croissance des bénéfices et les variations de valorisation. Découvrez comment, en prenant Apple comme exemple, vous pouvez tirer un rendement important d’un placement initial de 205 $. Vous y trouverez des stratégies pour les investisseurs tant à court qu’à long terme. 💡 #MarchéBoursier #Investir #ÉducationFinancière #ParlonsArgent 🔔 Obtenez les dernières perspectives de RBC GAM dans votre boîte de réception : http://spr.ly/60502aT2r Transcription : 00:00:00-00:00:44 Bonjour. Aujourd’hui, nous allons parler de la possibilité de gagner de l’argent en investissant sur le marché boursier. Rappelons d’abord des notions de base : lorsque vous achetez des actions, vous ne devenez en réalité propriétaire que d’une partie d’une entité. Par exemple, si vous achetez une action d’Apple aujourd’hui, au moment de cet enregistrement, vous paierez 205 $ et détiendrez une toute petite fraction de l’entreprise. Exact. Théoriquement, Tim Cook, chef de la direction, est en partie responsable devant vous. En tant qu’investisseur, vous espérez que ce placement de 205 $ aura un jour une valeur de 300 $, 1 000 $ ou même 10 000 $. Voyons donc ce qui peut se produire. 00:00:45-00:01:18 Votre investissement dans Apple peut vous rapporter de l’argent de trois façons. Tout d’abord, le dividende. Apple verse un dividende minime de l’ordre de 25 cents par action chaque trimestre. Ainsi, votre action rapportera un dollar par année et, avec un peu de chance, davantage dans la mesure où Apple augmentera ses versements de dividendes au fil du temps. Il est difficile de s’enrichir en recevant des dividendes d’Apple, mais d’autres actions procurent des dividendes substantiels. Quoi qu’il en soit, les versements de dividendes constituent la principale façon de gagner de l’argent en investissant dans des actions. 00:01:19-00:01:44 La deuxième façon de faire fructifier votre placement sur le marché boursier est la croissance des bénéfices. Lorsqu’une société comme Apple améliore sa rentabilité, votre participation prend de plus en plus de valeur. Ainsi, si le bénéfice réalisé par Apple augmente de 10 % par année, votre participation dans cette entreprise vaudra également 10 % de plus chaque année, toutes choses étant égales par ailleurs. En tant qu’investisseur, vous misez donc sur de nombreuses ventes d’appareils iPhone chaque année. 00:01:45-00:02:20 Enfin, votre investissement peut s’apprécier ou se déprécier en raison de ce que nous appelons les variations de valorisation. Quelle est la valeur d’Apple selon les investisseurs ? À l’heure actuelle, la valeur des activités d’Apple s’élève à 3 100 milliards de dollars. Ce montant est égal à 28 fois le bénéfice attendu cette année. Or, le cours de l’action varie chaque jour en fonction de la nouvelle évaluation faite par les investisseurs. Peut-être que demain, l’entreprise vaudra 2 900 milliards au lieu de 3 000 milliards. Dans ce cas, votre investissement perdra de la valeur. C’est ainsi que les variations de valorisation se répercutent sur la valeur de votre investissement. 00:02:21-00:03:07 En résumé, les investisseurs axés sur le court terme parient généralement sur des variations de valorisation. Les investisseurs étant par nature nerveux, il arrive qu’ils débordent d’optimisme un jour et qu’ils soient exagérément pessimistes un autre jour. Les investisseurs axés sur le court terme essaient généralement de profiter de ces différences d’évaluation ou de les prévoir. Mais pour l’investisseur ayant une optique à long terme, les meilleurs rendements tendent à provenir des deux autres composantes, à savoir les dividendes et la croissance des bénéfices. Ces deux sources sont beaucoup plus stables et fiables, en particulier à long terme. Les dividendes sur le marché américain des actions ont été en moyenne de 2 % par année, tandis que la croissance des bénéfices a été en moyenne de 6 % par année. Si vous investissez à très long terme, vous recherchez généralement un rendement avoisinant 10 %, et c’est ce qui caractérise l’investissement sur le marché boursier.
Stocks in a 'sweet spot' with Fed rate cuts: Strategist
05:51

Stocks in a 'sweet spot' with Fed rate cuts: Strategist

Investors are closely watching the Federal Reserve's upcoming November meeting, questioning how aggressively the central bank might continue its rate-cutting cycle. Principal Asset Management chief global strategist Seema Shah joins Morning Brief to discuss the outlook. Shah characterizes current economic data as "very, very volatile," emphasizing the seasonality within various reports, particularly in the labor market. While she notes that labor market reports indicate some cooling, it's "nothing too concerning." However, she cautions against drawing conclusions from any data point when predicting the Fed's monetary policy direction. According to Shah, the broader trend of economic moderation suggests a normalization period is underway, which could ease some monetary restrictiveness. She believes a measured approach with 25 basis point reductions in November and December would be appropriate. Regarding the impact on investors, Shah offered an optimistic outlook: "As we look out over the coming months because we're expecting a soft landing, continued rate cuts, that is a sweet spot for risk assets. We think there's continued upside for equities," she told Yahoo Finance, adding: "In this environment, you probably want to be extending duration." #stockmarket #youtube #stocks About Yahoo Finance: Yahoo Finance provides free stock ticker data, up-to-date news, portfolio management resources, comprehensive market data, advanced tools, and more information to help you manage your financial life. - Get the latest news and data at finance.yahoo.com - Download the Yahoo Finance app on Apple (https://apple.co/3Rten0R) or Android (https://bit.ly/3t8UnXO) - Follow Yahoo Finance on social: X: http://twitter.com/YahooFinance Instagram: https://www.instagram.com/yahoofinance/?hl=en TikTok: https://www.tiktok.com/@yahoofinance?lang=en Facebook: https://www.facebook.com/yahoofinance/ LinkedIn: https://www.linkedin.com/company/yahoo-finance
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Sunil Heda, CPA (US), CIM®
Heda Investments​

Investment Advisor and Associate Portfolio Manager,

Manulife Wealth Inc

Life Insurance Advisor,

Manulife Wealth Insurance Services Inc.

Investment dealer dealing representatives (“Investment advisors”) registered with Manulife Wealth Inc. offer stocks, bonds, and mutual funds. Heda Investments is a trade name used for dealer business only. Insurance products and services are offered through Manulife Wealth Insurance Services Inc. Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada. Additional disclosure information will be provided upon referral. Please confirm with your advisor which company you are dealing with for each of your products and services. Manulife Wealth Inc. is a member of the Canadian Investment Regulatory Organization and the Canadian Investor Protection Fund. Manulife Wealth Insurance Services Inc. is a licensed life insurance agency authorized to do business across Canada. Manulife, Manulife & Stylized M Design, Stylized M Design and Manulife Wealth are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates, under license.. The Advisor and Manulife Wealth Inc. and/or Manulife Wealth Insurance Services Inc. ("Manulife Wealth") do not make any representation that the information in any external linked site, document or information is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of the advisor or Manulife Wealth. The information in this communication is subject to change without notice. This is not an official publication of Manulife Wealth. This publication contains the opinions of the writer and may not reflect the opinions of the Advisor and Manulife Wealth Inc. and/or Manulife Wealth Insurance Services Inc. (collectively, "Manulife Wealth"). The information contained herein was obtained from sources believed to be reliable. No representation, or warranty, express or implied, is made by the writer, Manulife Wealth, or any other person as to its accuracy, completeness, or correctness. This publication is not an offer to sell or a solicitation of an offer to buy any of the securities. The securities discussed in this publication may not be eligible for sale in some jurisdictions. If you are not a Canadian resident, this report should not have been delivered to you. This publication is not meant to provide legal, financial, tax or investment advice. As each situation is different, you should consult your own professional advisors for advice based on your specific circumstances.By submitting your contact details, you are providing us with your express consent to contact you or send you commercial electronic communication related to investments and/or insurance services that may be of interest to you. Should you wish to discontinue receiving communication or be contacted from our office, you may contact us to withdraw your consent at any time. Your personal information will not be distributed, sold, or traded; it will remain strictly confidential and will only be used for the purpose for which it was provided. For more information on our commitment to privacy and responsible use of information, please see  our Privacy Policy page.

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