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Using Investment Mandates to Drive Portfolio Allocations

Portfolios are personalized and tailored for each client - based on time horizon; cash needs and risk tolerance among other factors. 

To guide asset allocation and investment selection clients are encouraged to consider which of the following mandates best reflects their goals for their different accounts.

We offer clients the flexibility to have multiple accounts – each with different investment mandates, risk tolerances and time horizons. This enables our clients to keep a meaningful portion of their capital “super-safe” while some of their capital is focused on growth and appreciation.

Capital Preservation:

The primary goal of this investment mandate is to preserve the value of the portfolio.  This mandate stresses safety, security and risk avoidance over portfolio gains. Some or all of the funds in accounts with this mandate are kept liquid so that they can be immediately available. 

Balanced Income & Growth:

The primary goal of this investment mandate is to provide a balance of current income and future capital appreciation. Assets allocated according to this mandate are diversified across asset classes based on client’s income and capital needs, risk tolerance etc. While aiming for increased return increases risk, this mandate seeks to balance potential gains with risks so that the portfolio achieves superior risk adjusted returns.

Capital Appreciation:

The primary goal is to produce gains in the portfolio.  This investment mandate generally has larger allocations to equities and equity driven strategies and focuses on investing securities that will rise in value based on their current price, earnings potential and other fundamental factors.  Investments targeted for capital appreciation tend have more risk than assets allocated to capital preservation and income generation.

NV-WM’s investment strategy generally pairs an opportunistic value investment philosophy with a mid- to long-term time horizon, subject to each Client’s indicated investment objectives, risk tolerance and time horizons. 

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