Si vous ne disposez pas d'un écran large, vous pouvez néanmoins créer et présenter des diapositives au format 16/9. Les diaporamas PowerPoint redimensionnent toujours vos diapositives afin qu'elles s'affichent sur tout type d'écran.

Why are we doing this?Because we are retail investors that feel the finance industry is mainly focused on trading and generating revenue through sales and commissions. The industry is less focused on showing clients how to invest and build wealth in the long run.Because it has been proven again and again that when it comes to trading for most people it is a losing proposition due to human nature as we take winners right away achieving instant gratification and hold on to losers longer or “win 1 and lose 5” (please Google “Prospect Theory” by Nobel winning D. Kahneman).

Ok, so investors shouldn’t day trade. What about getting an investment adviser?

FT - wealth management industry in July15, 2014 : “In Canada it’s been impossible for people to figure out what they’ve been paying and how their account is performing“ (link: http://tinyurl.com/qfmkrha) A client should simply ask their advisor: How much have I been paying you all this years for your services? (we bet they can’t answer that)This chart might help and yes, the less money an investor has the more expensive the advice gets!!

Globe and Mail: http://tinyurl.com/oxgsu34

Why do benchmarking and fees matter?

Investopedia : “A Financial Advisor’s Job Is Not to Beat the Market” http://tinyurl.com/pu7aeyzIf we can’t use the benchmark how can we compare and assess performance?Institutional mangers are assessed against clear benchmarks. Why shouldn’t investment advisors be held against the same standard? (Institutional Managers take on risk different from retail investors because they have teams of risk mangers with very strict limits that don’t let them bet it all on number 7[Crapshoot])A very common solution to the benchmark problem has been, park retail investors in a mutual fund tracking the market – meanwhile, average equity mutual fund fee in Canada is close to 2.5% per year.

Ok so what is the alternative?Investors should take ownership of their own financial future and work to understand that there are better options other than giving your money to a sales guy and crossing your fingers, or making 50/50 bets day-trading. The iPlanner investment philosophy: Realistic investor goals that can be translated into a return targets Investor risk tolerance that can be quantified, “Goal Based”

investing with set target risk and return profiles, minimize risk through diversification

We track the risk and returns of broad assets classes like Cash, Equities, Bonds, Commodities, Real Estate to establish acceptable ranges of risk return targets

Investor goals

What you want from your investments depends on who you are. Your goals may be: to make as much money as you can to provide a comfortable income at retirement to make enough money to do something specific, like pay for your child’s

college to keep your money from losing value due to inflation.

Each one of the goal set for you should have a target return number for example: If I have $10 today and I would like to invest it and have $12 in a year from now that equates to a 20% yearly return. In order to achieve this target my portfolio should d be constructed with securities that can offer the desired return.

Investor risk tolerance Risk tolerance varies for individual investors and it is often a

function of : Investors age, investments knowledge, investment horizon, return goals

etc.

For example : A retired individual looking for steady cash flows or capital preservation

during retirement is encouraged to stay away from risky assets that fluctuate considerably in value and have unpredictable returns. Investing in such assets can lead to a shortfall in the required cash flow which can lead to financial difficulties or simply not meeting the set goals.

Risk vs. Returns It is important to be familiar with the risks/returns of

each asset class as they are the building block of every investment portfolio.

For example: An investor should know that if we invested in equities for the past ten years the average return has been 8.1% with a risk of 16.6%. Ok what does that really mean? Does it mean that this year equities will go up 8.1% too? No it doesn’t. It simply gives us a measure for the risk taken for each return earned.

We aim to create risk vs. return benchmark to allow investors to measure possible investments and create reasonable expectations.

For example: If equities have returned on average 8% for the last ten years, how reasonable is it to expect to make 30% from equities for the next ten years?

Investable assets Various asset classes have different

risk/return characteristics. Cash and Bonds have been less risky with more predictable returns versus Equities and real Estate which have produced higher returns with greater associated risks.

Looking at a portfolio that was invested in each asset class using equal money in each class would have returned on average 4.1% every year with a 12% annualized risk for the period of Oct 20015-Oct 2015.

It is important to be familiar with the returns of each asset class as they are the building block of every investment portfolio.

Asset class Period Avg. Return

Risk / Volatility

Best Return

Worst Return

Cash 2005-2015 1.4% 2.0% 5.1% 0.1%US Bonds 2005-2015 4.5% 3.4% 11.8% -1.6%Commodities 2005-2015 -1.0% 16.6% 21.3% -26.2%US Equities 2005-2015 8.1% 16.6% 34.4% -23.3%Global Real Estate 2005-2015 7.5% 21.2% 35.2% -34.8%All Assets 2005-2015 4.1% 12.0% 21.6% -17.2%

Period - Starting Oct 2005 - Ending Oct 2015 Returns are annual returns Risk is annualized Standard deviation of returns

The “Efficient Frontier”- the cornerstone of modern financeIntroducing : Real Estate, Commodities, Emerging Market Equities, Developed Markets Equities, and Hedge Funds.The Efficient frontier is the green line optimized between the risk and return of all these asset classes. It serves as a benchmark or a starting point for assessing risk and returns.In simple terms: Equities have returned on average 8% by risking 16%, so your odds are risk 2 to make 1. If you aim to make 30% a year in equities the rule of thumb says you may have to risk 60% to make that. Ok, risk and return are not linear so risk 60% to make 30% is not entirely accurate, but an investor should know that to earn more you need to risk more.

What does iPlanner offer that isn’t out there already? In finance today you can find anything you look for with a little know how. What we aim to do is offer an alternative to day trading, and to having

a money manager who underperforms but still gets hefty fees. We aim to create goal based portfolios with set risk and return profiles,

that track the major asset classes, are diversified, and minimize volatility or unpredictability of returns.

We are creating technology that will allow an investor to create a financial plan, set goals and limits tailored around their needs and execute accordingly.

Right now our portfolios are a demonstration of how the various asset classes can be combined to create an efficient portfolio that stays the course and delivers the long term returns we aim top capture.

Our Model Portfolios?Conservative, Income, Balanced and Growth

We have 4 model portfolios that use: Real market data, courtesy of

Quandl We use ETFs as investing

vehicles, (highly liquid, low fees <0.35%)

We provide an institutional grade fact sheet about each portfolio: Asset Allocation, Position Allocation, Portfolio PnL, Position PnL, Portfolio Risk , Single Position Risk, Diversification Factor and a PDF report generator.

**Note: We are building an optimized rebalancing technology. The portfolio weights have not changed since inception which is rolling 3 year window from today.

What’s next? We encourage you to explore the Model

Portfolios made available by iPlanner. We also would like your feed back on what can

we improve – Please send us and email! We aim to improve our technology and help

retail investors achieve their investing goals. Stay tuned and "May the Force be with you"

Disclaimer: This website is for informational purposes only and does not constitute an offer

or solicitation to sell shares or securities in the Company, any related or associated company or investment vehicle. None of the information or analyses presented are intended to form the basis for any investment decision, and no specific recommendations are intended. Accordingly this website does not constitute investment advice or counsel or solicitation for investment in any security. This website does not constitute or form part of, and should not be construed as, any offer for sale or subscription of, or any invitation to offer to buy or subscribe for, any securities, nor should it or any part of it form the basis of, or be relied on in any connection with, any contract or commitment whatsoever. The Company expressly disclaims any and all responsibility for any direct or consequential loss or damage of any kind whatsoever arising directly or indirectly from: (i) reliance on any information contained in the website, (ii) any error, omission or inaccuracy in any such information or (iii) any action resulting therefrom.