Portfolios tailored to you.
Aloni Goh Wealth Management offer seven portfolios that are developed, analyzed and managed by us. Our investment philosophy is based on understanding our clients' risk tolerance and taking a focused long-term approach to reach their financial goals. We have protected clients' portfolios in extreme market volatility and captured growth in rising markets.
High-Yield Bond Portfolio
To provide a stable stream of income at a reasonable yield above the risk-free rate. Preservation of capital is key.
View PDFIncome Portfolio
To provide above-average income with modest potential for capital growth investing in fixed income with some allocation of high-yielding equities and other securities.
View PDFConservative Balanced Portfolio
To provide conservative growth from income and capital gains while minimizing fluctuations in capital value through prudent asset allocation and selection of securities to suit conditions in the financial markets.
View PDFCanadian Balanced Portfolio
To achieve above-average long-term returns from income and capital gains while minimizing fluctuations in capital value through prudent asset allocation and selection of securities to suit conditions in financial markets.
View PDFCanadian Growth Portfolio (CAD)
To maximize long-term growth from income and capital gains while minimizing fluctuations in capital value through prudent asset allocation and selection of securities to suit conditions in financial markets.
View PDFU.S. Growth Portfolio (USD)
To maximize long-term growth from income and capital gains while minimizing fluctuations in capital value through prudent asset allocation and selection of securities to suit conditions in financial markets.
View PDFCore Strategies
- Capital Preservation & Purchasing Power
- Can You Customize My Investments?
- Equity
- Fixed Income
- Real Estate Investment Trusts
- Portfolio Protection
- Diversification
- When Do You Make Trades?
- When Do You Adjust Asset Allocation?
Capital Preservation and Purchasing Power
- Capital preservation means protecting the money our clients have available to invest. We achieve this by helping our clients understand their risk tolerance. The goal is to achieve a reasonable return relative to the risk being taken. Understanding risk can minimize the time to recoup losses in market downturns.
- Purchasing power means keeping our clients’ investments in line with inflation and aiming for yields higher than the risk-free rate. By outpacing inflation, your money does not lose value over time.
- Diversifying a portfolio will also protect from market downturns. By understanding our clients’ risk, we can provide proper asset allocation to their portfolios.
- Prioritizing long-term objectives helps our clients reach retirement by allowing them to rely on their investments. When the financial markets and the economy are sluggish, yield is a vital component in generating returns with dividends and interest payments, thereby preserving our clients’ capital and maintaining their purchase power.
Can You Customize My Investments?
- Every client’s risk profile is different. We offer different portfolios with different asset allocations. They range from more risk (Growth) to less risk (Income), depending on the client’s appetite for risk. In the Income portion of each portfolio, we can further customize them for our clients by taking on more risk (high-yield bonds) or less risk (government bonds).
Equity
- We invest in mature, mid- to large-cap companies with long-term trends in predictable sectors with long-term outlooks. These companies are more stable and mature.
- WHY DON’T YOU OWN A PARTICULAR STOCK?
- When selecting stocks for our portfolios, our screening process also considers macroeconomic factors and technical indicators. If a stock does not satisfy the asset allocation and the risk vs. return profile of our portfolios, we will not invest in that stock.
- DO YOU USE ETF’S?
- If an ETF passes our screening process, which involves taking into consideration the asset allocation and risk vs. return profile the ETF brings to the portfolio, we will enter a position in that ETF.
- The ETF’s our portfolios hold can also provide further diversification. When possible, we may select ETF’s that are managed with covered calls to reduce volatility.
Fixed Income
- We customize the yield of our portfolios to suit our client’s objectives and tolerance for risk. By using individual bonds, debentures and other interest-paying assets, we can provide a predictable and stable stream of income.
- We use a 5-year or 10-year bond ladder as the core, with other bonds purchased around the ladder depending on the investing environment for fixed income based on current and future interest rates, credit spreads, credit ratings, prices and yields.
Real Estate Investment Trusts
- We invest in Canadian REITs with a strong track record and reasonable yields relative to risk. By investing in individual REITs, we can provide a predictable stream of income.
Portfolio Protection
- We protect our clients’ portfolios by helping them understand their risk tolerance.
- We diversify the portfolios with a proper asset allocation.
- We combine our disciplined approach with consideration to both macroeconomic factors and technical indicators.
- We do not invest in small or speculative companies that are extremely volatile from a technical standpoint, meaning extreme price movements with wide intraday trading ranges.
- SECURITY WEIGHTING
- Our portfolios have, on average, about 50 holdings. If one of our positions increases relative to other positions, we will sell to re-balance our portfolios. This helps reduce overweighting individual stocks and also provides an opportunity to enter or increase other positions – buy low, sell high.
Diversification
- By Country: We make sure the asset allocation in our portfolios suit our clients’ needs. We offer both Canadian and U.S. portfolios with equity and fixed income positions.
- By Industry: We make sure our stocks are invested in various sectors, including but not limited to: Communication Services, Energy, Financials, Healthcare, Utilities, Real Estate and Technology.
- By Company Size: We make sure that we invest primarily in mid- to large-cap companies. These companies are more stable and mature.
When Do You Make Trades?
- We make switches when we sense opportunity. If a stock isn’t performing the way we expect it to, depending on macroeconomic factors, technical indicators and the client’s financial objectives, we will switch to a position that has more potential upside.
When Do You Adjust Asset Allocation?
- We will adjust when the percentage weighting of individual positions or certain types of assets stray from our model, depending on the conditions of the financial markets. For example, our Balanced portfolio will normally be at a 60% equity and 40% fixed income split. Depending on market positions, the equity portion could range from 55-70%, but it will not stray much more than that.
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