What TBIC can do for you:
Services provided
Most plans require customized service. This can range from project management & consulting all the way to Outsourced Chief Investment Officer services.
Governance
Are you following your fiduciary duty for your pension plan? A few bad habits have developed over the past few decades and governance should not be an oversight.
Experience
With 20 years in finance and 8 years of pension consulting work, I am well situated to give you insights into how modern institutions set their Strategic Asset Mix to deal with the current low interest rate environment
Current Events
If you do not remember what a recession looks like, stay tuned. The economy is slowing quickly and the effects of reversing a higher for longer interest rate policy will be felt for the decades.
Latest News
The Bank of Canada was one of the first Central Banks to cut in June of 2024. This is a turning point for the markets and asset mixes. The direction of interest rates if down for the foreseeable future. Are you Portfolio prepared for the next shock to the system?
Floating or Fixed?
Rates started going up in the summer of 2020 and they didn't stop for over 3 years. Floating rate investments were great during this period. Now that rates are retreating, its time to add fixed rates to your investment portfolio. Do not underestimate their impact on how your portfolio will perform.
How can we Help you?
Experience
The period from the great financial crash to 2019 saw interest rates drop to a generational low. This long term trend has been broken. Most likely we are in a period like late 1950's and 1960's where making money in Bonds was extremely difficult. A much different approach is required in your fixed income investments to achieve your stated goals.
Just in Time Investment Advice
Does anyone remember the Just In Time inventory management system? What if you could do the same within your Asset Mix. I am not talking about knee jerk reactions or making incremental changes to try to time the market. What I am referring to is knowing what your major risks ahead of time, tracking these risk closely, and preparing a plan that is executable for when things start to unravel. Adjusting your asset mix based on precisely calculated Risk/Reward trade-offs will be paramount to achieving your investment goals during the next decade.
Why should you modernize your plan?
What do you do at the turning points of the market? There have been some extreme changes in the market place over the past 3 years that have a material impact on your expected returns. Staying on top of your risks and being prepared for their consequences goes a long way to keeping your Targeted Returns within reach.