{"id":11458,"date":"2025-05-29T14:00:17","date_gmt":"2025-05-29T18:00:17","guid":{"rendered":"https:\/\/rosengroup.ca\/?page_id=11458"},"modified":"2025-06-03T09:58:26","modified_gmt":"2025-06-03T13:58:26","slug":"how-the-wealthy-invest","status":"publish","type":"page","link":"https:\/\/rosengroup.ca\/fr\/how-the-wealthy-invest\/","title":{"rendered":"Comment les riches investissent"},"content":{"rendered":"

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How the Wealthy Invest<\/h4>\n

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What Got Us Here, Won\u2019t Get Us There<\/h1>\n

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Why It\u2019s Time to Move Beyond the 60\/40 Portfolio: The Rise of Alternatives<\/h2>\n

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For decades, the 60\/40 portfolio\u2014a mix of 60% equities and 40% bonds\u2014was considered the gold standard of balanced investing. It offered growth from equities and stability from bonds. But in today\u2019s environment of persistent inflation, rising interest rates, and volatile markets, this once-reliable formula is showing its age.<\/p>\n

Enter alternative investments\u2014a diverse group of assets that are increasingly being embraced not just by institutional investors, but also by individual investors seeking to build more resilient, diversified portfolios.<\/p>\n

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What Are Alternative Investments?<\/h4>\n

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Alternative investments (or \u201calts\u201d) include asset classes outside of traditional stocks and bonds. They can include:<\/p>\n

[\/et_pb_text][dsm_icon_list icon_padding=”5px” list_vertical_alignment=”flex-start” list_space_between=”8px” _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ custom_css_main_element=”columns: 3;” locked=”off” global_colors_info=”{}” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_tablet=”columns: 2;” custom_css_main_element_phone=”columns: 1;” sticky_enabled=”0″][dsm_icon_list_child text=”Private equity” font_icon=”L||divi||400″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/dsm_icon_list_child][dsm_icon_list_child text=”Private credit” font_icon=”L||divi||400″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/dsm_icon_list_child][dsm_icon_list_child text=”Real estate” font_icon=”L||divi||400″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/dsm_icon_list_child][dsm_icon_list_child text=”Infrastructure” font_icon=”L||divi||400″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/dsm_icon_list_child][dsm_icon_list_child text=”Hedge funds and long\/short strategies” font_icon=”L||divi||400″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/dsm_icon_list_child][dsm_icon_list_child text=”Mortgages” font_icon=”L||divi||400″ _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][\/dsm_icon_list_child][dsm_icon_list_child text=”Venture Capital” font_icon=”L||divi||400″ _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][\/dsm_icon_list_child][\/dsm_icon_list][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

While these may seem unconventional, they\u2019ve become a mainstay for the world\u2019s most sophisticated investors.<\/p>\n

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Pension Plans Are Leading the Way<\/h2>\n

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Canada\u2019s largest pension funds have dramatically increased their exposure to alternatives over the past two decades. Why?<\/p>\n

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1. Superior Risk-Adjusted Returns <\/strong><\/h2>\n

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Large pension plans like the Canada Pension Plan (CPP), Ontario Teacher\u2019 Pension Plan (OTPP), Qu\u00e9bec Pension Plan (QPP), Healthcare of Ontario Pension Plan (HOOPP), as well as large endowment funds like Yale & Harvard, have found that alternatives \u2014 particularly private equity, infrastructure, and real estate \u2014 offer better returns with lower volatility.<\/p>\n

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The Canada Pension Plan Investment Board (CPPIB) now allocates over 50% of its portfolio to alternative assets.<\/p>\n

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2. Inflation Protection<\/strong><\/h2>\n

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Infrastructure assets (e.g., toll roads, utilities) and real estate often have contracts or rents that adjust with inflation, making them ideal hedges against rising costs.<\/p>\n

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3. Reliable Cash Flow<\/strong><\/h2>\n

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Pension liabilities are long-term and predictable. Assets like private credit and infrastructure debt deliver stable, recurring income, which is essential for long-term obligations.<\/p>\n

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Why Retail Investors Should Follow Suit<\/h2>\n

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Retail investors, especially those nearing retirement or looking for more stability, can benefit from the same principles:<\/p>\n

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1. Escape the Limitations of Bonds<\/strong><\/h2>\n

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    \n
  • Bonds are vulnerable in rising rate environments.<\/li>\n
  • Alternatives like private debt or real asset funds offer higher yield with less sensitivity to interest rates.<\/li>\n<\/ul>\n

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    2. Broaden Diversification<\/strong><\/h2>\n

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      \n
    • Stocks and bonds often move together during crises.<\/li>\n
    • Alternatives have low correlation to public markets, reducing overall portfolio volatility.<\/li>\n<\/ul>\n

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      3. Access to Private Market Growth<\/strong><\/h2>\n

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        \n
      • Historically limited to institutions, private equity and venture capital are now more accessible through funds and platforms.<\/li>\n
      • These markets often outperform public markets over the long term.<\/li>\n<\/ul>\n

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        4. Protect Against Inflation<\/strong><\/h2>\n

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          \n
        • Real estate, commodities, infrastructure, and even farmland offer hard asset exposure, helping protect purchasing power.<\/li>\n<\/ul>\n

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          Even a 15\u201330% allocation to alternatives can dramatically improve risk-adjusted returns over time<\/h4>\n

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          Final Thoughts<\/h2>\n

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          The 60\/40 portfolio served investors well for decades, but it no longer offers the diversification or return potential it once did. Pension funds have already adjusted\u2014building robust portfolios with significant exposure to alternatives to weather future uncertainty.<\/p>\n

          Retail investors now have the tools and access to do the same.<\/p>\n

          Alternatives aren\u2019t just \u201calternative\u201d anymore\u2014they\u2019re essential.<\/p>\n

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          This content is intended for general informational purposes only and does not constitute financial, legal, or tax advice.<\/p>\n

          While providing various important benefits, alternative investments also carry some additional risks, which could be different from the risks associated with investing in public markets. It is important for investors to work with financial professionals who understand private markets and are able to make active investment decisions.<\/p>\n<\/p>\n

            \n
          • Market risk \u2013 Individuals who invest in Alternative investments may experience differentiated market risk compared to public market investments. Private companies are subject to different disclosure requirements and are sensitive to a variety of factors that may impact valuations differently than public markets.<\/li>\n
          • Liquidity risk \u2013 Alternative investments have varying liquidity profiles, often allowing liquidity on a monthly, quarterly, or less frequent basis. It is important for investors to understand the liquidity characteristics of alternative investments and your liquidity needs should be measured to determine if investing in Alternative Investments is suitable for you prior to investing.<\/li>\n<\/ul>\n

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            How the Wealthy InvestWhat Got Us Here, Won\u2019t Get Us ThereWhy It\u2019s Time to Move Beyond the 60\/40 Portfolio: The Rise of AlternativesFor decades, the 60\/40 portfolio\u2014a mix of 60% equities and 40% bonds\u2014was considered the gold standard of balanced investing. It offered growth from equities and stability from bonds. But in today\u2019s environment of persistent inflation, rising interest rates, and volatile markets, this once-reliable formula is showing its age. Enter alternative investments\u2014a diverse group of assets that are increasingly being embraced not just by institutional investors, but also by individual investors seeking to build more resilient, diversified portfolios.What Are Alternative Investments?Alternative investments (or \u201calts\u201d) include asset classes outside of traditional stocks and bonds. They can include:

            \n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t
            \n\t\t\t\t\t
            • \n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\tL<\/span><\/span>Private equity<\/span>\n\t\t\t<\/li>
            • \n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\tL<\/span><\/span>Private credit<\/span>\n\t\t\t<\/li>
            • \n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\tL<\/span><\/span>Real estate<\/span>\n\t\t\t<\/li>
            • \n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\tL<\/span><\/span>Infrastructure<\/span>\n\t\t\t<\/li>
            • \n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\tL<\/span><\/span>Hedge funds and long\/short strategies<\/span>\n\t\t\t<\/li>
            • \n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\tL<\/span><\/span>Mortgages<\/span>\n\t\t\t<\/li>
            • \n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\tL<\/span><\/span>Venture Capital<\/span>\n\t\t\t<\/li><\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>While these may seem unconventional, they\u2019ve become a mainstay for the world\u2019s most sophisticated investors.Pension Plans Are Leading the WayCanada\u2019s largest […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-11458","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nHow the Wealthy Invest | Rosen Group Private Wealth Management<\/title>\n<meta name=\"description\" content=\"You are entitled to a high level of proactive, courteous service from Rosen Group Private Wealth Management.\" \/>\n<meta name=\"robots\" content=\"index, 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