How Optimize Model Portfolios Are Structured and Managed

At Optimize, we believe that a well-constructed portfolio is the foundation of your financial plan. Our model portfolios are designed to give you this foundation by combining a globally diversified mix of investments with disciplined portfolio management, all within a framework that supports your personal goals and comfort with risk.

These portfolios are carefully structured using time-tested investment principles, providing you with clarity, discipline, and peace of mind through all market conditions.

The Building Blocks of Optimize Model Portfolios

Each Optimize model portfolio is built using a strategic blend of asset classes, including:

• Equities.
  Equities are the primary engine of growth in your portfolio. We invest in a diversified mix of Canadian, U.S., and international equities, ensuring your portfolio has exposure to global economic growth.

• Fixed Income.
  Fixed income provides stability and income, helping balance your portfolio during periods of market volatility and offering a reliable source of cash flow where appropriate.

• Pension-Style and Alternative Investments.
  Where suitable, we incorporate alternative investments, such as private credit and infrastructure, to further diversify your portfolio and add a layer of stability similar to that used by institutional investors and pension funds.

This multi-asset approach ensures that your portfolio is not overly reliant on any single market, sector, or asset class, reducing concentration risk and smoothing returns over time.

Disciplined Portfolio Management and Rebalancing

Portfolio management at Optimize is not a one-time event. We monitor your portfolio regularly, rebalancing it when needed to keep your asset mix aligned to your long-term plan, not the latest market headlines.

Rebalancing involves trimming positions that have grown beyond their target and adding to areas that have underperformed. This disciplined process helps manage risk, ensures your portfolio does not drift outside of your comfort zone, and allows you to systematically buy low and sell high, without relying on emotional or reactive decisions.

Tactical Adjustments for Risk Management and Opportunity

While your portfolio’s core allocation is strategic and long-term, we also use Tactical Asset Allocation (TAA) carefully at the margins. This allows us to make modest, forward-looking adjustments to sector or asset class exposures when we believe the risk-return outlook warrants it.

For example, we may tilt slightly toward certain sectors or regions that appear undervalued, or adjust your portfolio’s risk exposure during periods of extreme market stress. These adjustments are made with discipline, using data and research—not emotion or market timing—and always within the boundaries of your personal risk profile and plan.

Ongoing Oversight for Ongoing Alignment

Markets change, but so does life. That is why we continuously monitor not only your portfolio but also the broader economic and market landscape. We ensure your portfolio is resilient, diversified, and aligned to your long-term plan, adapting when necessary but always anchored to the principles of discipline, balance, and client-first planning.

At Optimize, our model portfolios are not static—they are dynamic, monitored, and managed with the same care and process that institutional investors use. This allows you to focus on your life, knowing your portfolio is being managed with intention, discipline, and a clear connection to your goals.