For most Canadians the accumulation of wealth is the result of having a clear, organized and methodical approach to saving and investing. Your approach to creating savings will dictate your investing activities, not vice versa.

Because we view our investing activities as secondary to our savings activities, our investment approach adheres to the following basic goals:

• Goal #1: Our investment portfolio must provide a consistent and increasing dividend and interest income stream.

• Goal #2: Our investment portfolio must provide an expanding capital base, either as a result of additional savings contributions or capital gains, required to achieve Objective #1, after inflation and taxation.

• Goal #3: Our investment portfolio must avoid risks that interfere with our ability to achieve Objectives #1 and #2.