iA Securities & HollisWealth* are now iA Private Wealth

We are excited to introduce our new company name, iA Private Wealth. The new name is designed to better reflect the essence of what our advisors do – provide holistic wealth management solutions tailored to the unique needs and goals of investors across Canada.

Please take a few moments to browse our newly redesigned and updated website to learn about the many benefits of working with an iA Private Wealth Investment Advisor.

*Refers solely to the Investment Industry Regulatory Organization of Canada licensed advisors within HollisWealth.

Your Wealth, Our Passion

Building, growing and preserving wealth takes planning and a comprehensive, holistic vision. When you work with an iA Private Wealth Investment Advisor, you have a trusted partner who is fully dedicated to your success at every stage of your lifelong financial journey.

Holistic planning for every facet of your life

We believe comprehensive personal wealth planning, supported by unbiased advice, collaboration and transparency, is the key to meeting your needs and helping you achieve your goals. Our advisors focus on six main priorities to create a plan that’s tailored to you:

Investing

A proven wealth management philosophy is one that takes emotion out of the equation and relies on a disciplined, long-term approach. Your objectives, risk tolerance, return expectations and time horizon will be the key factors your Investment Advisor takes into account in designing a plan that can help meet your retirement and other goals.

Saving & borrowing

Your Investment Advisor will help you set and achieve saving goals aligned with your needs and objectives, and develop a borrowing and debt management strategy for your unique circumstances.

Education planning

Whether you’re looking to fund a child’s education or returning to school to upgrade your credentials, your Investment Advisor can help you understand your options and maximize the value of a Registered Education Savings Plan (RESP).

Tax planning

Your Investment Advisor will conduct a thorough assessment of your circumstances to determine the most tax-efficient way of building your portfolio.

Risk management

Your Investment Advisor will develop a risk management plan that addresses the full range of factors that could affect your financial well‑being.

Will & estate planning

To plan for the preservation and transfer of your assets, your Investment Advisor can help you keep an eye on the horizon by understanding your situation and wishes, including tax-efficient legacy planning.

Latest insights

Video

Weekly Macro & Market Update

Video duration 6:50

By iA Private Wealth, November 18, 2022

Tune in weekly for insight and perspective on the macro and market landscape with iA Investment Management chief strategist and senior economist Sébastien Mc Mahon.

Watch Sébastien’s previous weekly updates on YouTube.

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Monthly Market Snapshot

10 min read

By iA Private Wealth, November 10, 2022

James Gauthier and his research team walk through the highlights of last month’s market and economic data.

Read the report (PDF)

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Navigating market cycles

read

By iA Private Wealth, October 25, 2022

If you invest in stocks, either directly or through mutual funds and ETFs, you know the market never rises steadily without periods of decline along the way. That’s how the “market cycle” works, and the better you understand the inevitability of this cycle, the more you can succeed as an investor.

What’s a market cycle?

Over a period of time and based on prevailing economic conditions (among other factors), markets go through distinct phases. The four main phases are accumulation, mark-up, distribution and decline.

  • Accumulation. This phase typically arises from a period of severe market decline. Stock valuations tend to be attractive after falling from higher levels, but it takes courage to invest in this phase as the “wounds” from a sharp decline are still fresh and it’s not yet clear the market has “turned the corner.”
  • Mark-up. In this phase, some time has passed, upward trends are being established and investors are generally convinced the market has bottomed. More people begin jumping back into the market amid wider optimism for future gains.
  • Distribution. Markets are rising in this phase and early buyers begin capturing their gains by selling to latecomers who waited for clear signals confirming the market’s upswing. Amid high stock prices, the market also experiences a growing number of valuation “pullbacks” as overenthusiastic investors have bid some stocks too high relative to their value.
  • Decline. This phase starts to bring the market full circle, as an “overbought” market is filled with stocks that are ripe for a sharp decline. Some overconfident (or simply greedy) investors linger in this phase longer than they should, assuming that falling stock prices will quickly rebound.

Investors and the market cycle

Given these different phases, how should people invest? It helps to acknowledge that the duration of each phase will vary, but generally market analysts can only define and “time-stamp” phases after the fact, once data has been studied.

Accordingly, it makes sense for most long-term investors to avoid trying to time the market. Yes, stock markets tend to follow patterns. It’s tempting to think you’ve identified the end of a “decline” phase and should start buying stocks again. However, market timing usually isn’t a successful long-term strategy because it’s virtually impossible to predict how markets will fare over a particular time period.

Understanding bulls and bears

Markets are prone to rise and fall – that’s just the way they react to macroeconomic and geopolitical circumstances. When the market rises 20% above its recent low levels, it’s commonly referred to as a “bull market.” When the market declines 20% below recent high levels, it’s known as a “bear market.”

Although both market types are inevitable, historically the long-term trend has been to move higher. In fact, according to data from Bloomberg as at December 31, 2021, the average bull market lasts about 78 months and generates an average return of 193% over that period. Meanwhile, the duration of the average bear market is only about 11 months, and the average return is -32%.

Armed with this knowledge, most long-term investors are best served by recognizing stock market cyclicality but not jumping in and out. If your timing isn’t perfect – and that’s a safe assumption unless you own a crystal ball – you risk selling when stock prices are still rising, and buying when stocks are declining.

Either way, you could be creating “permanent loss of capital” that will interfere with achieving your long-term financial goals.

Benefits of staying the course

It requires discipline to remain invested through the down phases of a market cycle, just like it does to resist the temptation to be greedy when you think stocks have nowhere to go but upwards. However, sticking to your investment strategy is a proven way to build long-term wealth. An Investment Advisor can help you stay true to your wealth plan and keep emotions out of investing. A good advisor has the skill and experience needed to guide you through the market cycle so you can ignore short-term “noise” and focus on the future with confidence.

We can provide the sound financial advice you and your family need under any market condition, so contact us today.

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A career at iA Private Wealth

Looking for a rewarding career in financial services? We have a wide range of opportunities for talented, committed professionals, and offer attractive compensation and benefits.

View available positions

Investment Advisor opportunities

More and more advisors are looking to iA Private Wealth as the partner of choice for building and growing an independently owned and operated business with an unwavering focus on client success.

See what we offer