It’s extremely difficult to beat the market over the long term. We focus instead on building low-cost, diversified portfolios that track the markets closely and offer the highest likelihood of helping you reach your goals.
We start by determining a suitable mix of stocks, fixed income, and cash based on your ability, willingness, and need to take risk. Then we build your portfolio using ETFs, GICs, and savings funds.
Once we’ve agreed on an investment plan, we implement it based on our disciplined process, which is laid out in your Investment Policy Statement (IPS).
Our management fees are among the lowest in the industry, starting at 0.75% and trending down as your portfolio grows. We also use the lowest-fee ETFs: product fees add a maximum of 0.15% to your costs.
PWL Capital’s Bender, Bender & Bortolotti team will work hard to ensure you reach your financial goals by combining disciplined portfolio management, ongoing planning, and a commitment to attentive service.
Our disciplined tax-loss selling strategy can save you thousands in taxes during market downturns.
Learn MoreWe reduce your annual tax bill by choosing the best account (TFSA, RRSP, taxable) for each holding.
Learn MoreWe reduce withholding taxes on foreign dividends by choosing the right ETF for each account type.
Learn MoreWe use trading strategies to cheaply convert Canadian dollars to U.S. dollars in your portfolio.
Learn MoreYour portfolio is just a tool for reaching your financial goals. We focus on your personal objectives, whether that’s building a savings plan, paying off debt, or drawing down your nest egg in retirement.
Read MoreOur team is dedicated to attentive service. We respond to your emails and calls promptly, and we handle your paperwork and other administrative tasks efficiently and painlessly.
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