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www.insideHALTON.com |OAKVILLE BEAVER |Thursday, December 29, 2016 |36 T h eim portanceof m anagingyo u r investm ent portfolio O ne of the responsibilities investors face is managing the risk of their portfolio. This week' s article is going to use a recent news release by a regulatory body that might help investors anticipate different types of risk. The risk I am referring to has to do with the governance of your investment portfo lio. W hat concerns should investors be aware of in order to safeguard their portfolio? The Investment Industry Regulatory Or ganization of Canada (IIROC) recently is sued a news release to outline investor com - Dollars & Sense Peter Watson Guest Contributor plaints. But first, who is IIROC? IIROC is the national self-regulatory orga nization that oversees all investment dealers and their trading activity in Canada' s debt and equity markets. It protects investors and strengthens mar O p en yo u r senses innovative fresh catering to w h a t others have experienced. PLUM'S SHOP iS NOW OPEN! M erry Christmas and Happy New Year!! We w ill be clo se d until Ja n u a ry 9th. See you in the New Year! 447 Speers Rd, unit 9 · 905-844-7110 · w w w .plum catering.ca ket integrity. IIROC sets and enforces rules regarding business and financial conduct of dealer firms and their registered employees. In summary, they police the investment business. In a recent news release, IIROC disclosed investor complaints it had received. The No. 1 investor complaint had to do with unsuit able investments. Over the past two years, IIROC received 8 3 8 complaints from clients of IIROC-regulated firms. Unsuitable investments top the list with 222 complaints. Other complaints included service issues, disputed fees, firm policies and procedures, and unauthorized trading. These five com plaints accounted for almost half of all com plaints received. An unsuitable investment simply means that based on a person' s financial objectives and risk tolerance, a particular investment does not belong in their portfolio. The goal of investing is to own specifi c securities that are deemed m ost appropriate based on what you are trying to achieve. It is important to have the correct investments in your portfolio. To do that you need to determine whether all investments owned, deserve to be owned. Regrettably, the majority of suitability complaint cases involve elderly and/or vul nerable clients. Seniors are the largest group that contact IIROC with complaints. My recommendation is for investors to review all investments owned with the goal of answering these questions. Is each invest m ent appropriate? And, should each invest m ent continue to be owned? The goal of this review isn't to uncover wrongdoing. It is a matter of continuing to monitor your portfolio to determine if any changes should be made. People invest in order to accomplish some of their m ost important financial objectives, such as assisting children with the cost of a post-secondary education, and preparing for retirement. Many individuals seek professional ad vice. Receiving professional advice does not eliminate the need for investors to take a close look to see if what they are doing makes financial sense. Your adviser can help, but it is important for you to understand that managing your own personal investment portfolio is an im portant task. Anticipate future risks and then be proac tive to ensure those risks do not negatively im pact your financial security. -- Submitted by Peter Watson of Peter Watson Investments and Aligned Capital Partners Inc., MBA, CFP, R.FP, CIM, FCSI., Certified Financial Planner GAS FIREPLACE REPAIR Factory Trained Service Tech & Electronic Ignition Specialists ^ ^ THIRTY 7 5 0 s YOUR WINE MAKING ESTABLISHMENT Experience premium winem aking at the best prices. 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