Croft Financial Group Investment Solutions

Portfolios Designed to Meet Different Client Needs

At Croft Financial Group we harness the expertise and experience of in-house and third-party money managers to deliver a variety of investment solutions designed to meet different client risk tolerances and objectives on one platform.

Increase your business efficiencies and limit your administrative and compliance burdens without limiting your clients access to a variety of investment solutions.

  1. All Star Managers Global Select Portfolio Series
  2. Canadian Focused Global Select Portfolio Series
  3. GAInS FPX ETF Portfolio Series
  4. GAInS ESG ETF Portfolio Series
  5. Sharia Global Select Portfolio Series
  6. Enhanced CFG Mandates
  7. Croft Separately Managed Account (SMA) Solution ($1MN plus)

 

CFG Approach To Investing

 

All-Star Managers Global Select Portfolio Series

Multi Manager Approach using third-party funds vetted by the Croft Financial Group Investment Committee (IRC) and optimized to meet specific risk and return objectives.

The objective of our All-Star Managers Global Select Portfolio Series is to gain global equity and income exposure using a multi- manager approach by strategically selecting mutual funds that meet specific criteria. The IRC places emphasis on long-term equity capital gains, a long-term track record of outperformance, diversity between managers in exploiting a variety of market inefficiencies and opportunities across asset classes and sectors worldwide using active management. This structure can potentially mitigate against the risk of investing in one manager who may underperform in any given year

Four investment mandates available designed to meet client specific risk tolerances and objectives:

  1. Conservative
  2. Balanced Income
  3. Balanced Growth
  4. Growth

 

Canadian Focused Global Select Portfolio Series

Multi Manager Approach using third-party funds vetted by the Croft Financial Group Investment Committee (IRC) and optimized to meet specific risk and return objectives.

The Canadian Focused Global Select Portfolios are a series of diversified model portfolios that may utilize both Active and Passive funds and/or ETFs tied to the individual risk tolerances and return needs of investors. The portfolios employ a multi-manager approach, providing access to a wide variety of investment styles and methodologies, and thereby reducing the risk of investing with one manager who may underperform in any given year. R N Croft Financial Group (CFG) is the investment manager responsible for the selection of the underlying funds and managers, and the optimization of the individual fund weightings within each portfolio.

The objective of the Canadian Focused Global Select Mandates are to provide Canadian investors with a globally diversified Canadian dollar portfolio that meets their risk tolerances and investment goals.

Four investment mandates available designed to meet client specific risk tolerances and objectives:

  1. Conservative
  2. Balanced Income
  3. Balanced Growth
  4. Growth

 

GAInS FPX ETF Portfolio Series

Passive ETF Portfolios optimized to track the *Financial Post FPX benchmarks.

The objective of the GAInS FPX Portfolio Series Mandate is to provide Canadian investors with a simple, low-cost, investable ETF portfolio that effectively tracks the performance of its Financial Post FPX  benchmark*, which is a broad, globally-balanced Canadian dollar portfolio that has shown consistent capital gains biased investment appreciation since its 1997 inception. As such, the GAInS FPX Portfolio Series combines selected global equity and income producing assets to enhance overall gains, and is best suited to risk-tolerant investors who are focused on building their investment assets and have a long time horizon before they may need to withdraw any funds. To achieve this objective, the GAInS FPX ETF Portfolios hold broadly traded, low-cost ETFs in fixed, strategic proportions, which are rebalanced up to monthly when cash is invested or divested, or at least annually on or before March 31st.

Three investment mandates available designed to meet client specific risk tolerances and objectives:

  1. FPX Income
  2. FPX Balanced
  3. FPX Growth

 

GAInS ESG ETF Portfolio Series

Passive ETF Portfolios optimized to track the *Financial Post FPX benchmarks using only ETF investments highly ranked against recognized Environmental, Social & Governance criteria.

The GAInS ESG ETF Portfolio Series is designed to provide Canadian investors with a simple, diversified and low-cost ETF portfolio that optimizes performance using only ETF investments highly ranked against recognized Environmental, Social & Governance criteria.  Portfolio performance is tracked against the Financial Post FPX benchmarks*, which is a broad, globally balanced Canadian dollar model portfolio that has shown enhanced capital protection and reliable returns since its 1997 inception. The GAInS ESG Portfolios hold ETFs that use ESG screening in their index construction methodology or have a four or five globe Sustainalytics ranking.  The fixed income asset class will contain ESG screened ETFs or government bond ETFs.  The equity asset class will contain ESG screened ETFs or ETFs with a four or five globe Sustainalytics ranking.

Three investment mandates available deigned to meet client specific risk tolerances and objectives:

  1. ESG Conservative
  2. ESG Balanced
  3. ESG Growth

 

Sharia Global Select Portfolio Series

Multi Manager Approach using third-party funds vetted by the Croft Financial Group Investment Committee (IRC) and optimized to meet specific risk and return objectives.

The Sharia Global Select Portfolios are a series of diversified model portfolios that may utilize both Active and Passive mutual funds and/or ETFs tied to the individual risk tolerances and return needs of Sharia-compliant investors.

The objective of the Sharia Global Select Mandates is to provide Canadian investors with a globally diversified Canadian dollar portfolio that only uses Shariah-compliant investment products that have passed several screens for permissible asset classes and business activities and have been deemed Sharia compliant by an applicable Sharia advisory committee.

Islamic religious law, commonly known as Sharia, encourages people to invest in a socially responsible way and has certain restrictions regarding finance and commercial activities permitted by Muslims. These restrictions, including prohibited industries and those against charging or paying interest, reduce the size of the overall universe in which the Portfolio may invest and may limit investment opportunities, especially in comparison to a more diversified portfolio.

These portfolios are designed not only for investors who might be looking for halal exposure, but for any investor who is seeking a value-focused portfolio as well as those who are seeking to avoid over-leveraged companies.

Two investment mandates available designed to meet client specific risk tolerance and objectives:

  1. Growth
  2. Balanced Growth

 

Enhanced CFG Mandates

Actively managed, options overlay, long term track record.

The objective of  an Enhanced CFG Mandate is to achieve better risk adjusted returns than a passive, low-cost, diversified portfolio benchmark (The FPX Real-World Index). These Mandates aim to achieve this objective by holding in client accounts a combination of tactically managed CFG CPC Share Classes (Pools) weighted to meet the specific objectives of the Mandate. Croft Financial Group will rebalance back to target at least annually. In addition, rebalancing takes place within each Share Class (Pool) and may take place within the Mandate on a more frequent basis to manage market risk, take advantage of market opportunity, and manage cash positions.

This diversified approach is designed to provide access to a wide variety of investment styles and methodologies, thereby reducing the risk of investing with one manager/style which may underperform in any given year. R N Croft Financial Group (CFG) is the investment manager responsible for the selection of the underlying Share Classes, and the optimization of the individual Share Class weightings within each portfolio.

Three investment mandates available deigned to meet client specific risk tolerances and objectives:

  1. Enhanced Conservative Income
  2. Enhanced Balanced
  3. Enhanced Growth

 

Separately Managed Account (SMA)

For relationships with $1 Million or more of investable assets, SMA portfolios hold a combination of high conviction securities and specialized pools, designed for tax efficiency.

Croft SMA solutions offer a tailored approach to investing that considers the unique needs of each investor. With an SMA, individual investors directly hold a high-conviction selection of stocks, bonds and option strategies along with our specialized pools in their Investment accounts.

The Croft SMA solution provides access to a comprehensive range of options, where the investors can pursue a diversified investment strategy – while benefiting from the ability to manage tax implications and liquidity.

 

* For more information on the  FPX benchmark, please go to FPX and RWI Benchmarks