Why choose Kerrimuir?

At Kerrimuir, we take a different approach. Rather than relying on market predictions, our investment philosophy is centred on asset allocation, diversification, disciplined portfolio management, and strategic rebalancing. The goal is simple: generate attractive long-term returns while reducing portfolio volatility and helping investors stay invested through all market environments.

Asset Allocation: The Foundation of Kerrimuir

The primary factor that differentiates Kerrimuir investments is our focus on asset allocation. Numerous studies have shown that asset allocation is one of the most important drivers of long-term investment performance and risk management. Rather than concentrating on a single asset class, Kerrimuir portfolios are designed to provide exposure across a broad range of investments.

Our portfolios may include:

1. Cash and Money Market Investments
2. Bonds and Fixed Income
3. Real Estate
4. Canadian Equities
5. U.S. Equities
6. International Equities
7. Small-Cap Stocks
8. Mid-Cap Stocks
9. Emerging Market Equities
10. Gold & Silver Bullion
11. Commodities
12. Bitcoin

This diversified approach allows investors to access multiple sources of return within a single investment solution. Different asset classes often perform differently depending on economic conditions. By owning a variety of investments, portfolios can become more resilient during periods of market uncertainty while maintaining exposure to long-term growth opportunities.

For investors, this means having a professionally managed and globally diversified portfolio without needing to build and monitor numerous individual positions themselves.

Diversification Beyond Traditional Investing

Many balanced portfolios focus only on stocks and bonds. Kerrimuir takes diversification a step further by incorporating alternative assets such as precious metals, commodities, real estate, and Bitcoin.

Gold and silver have historically served as stores of value during periods of inflation, market stress, and geopolitical uncertainty. Commodities can provide additional diversification benefits because their performance is often driven by factors that differ from traditional equity markets. Bitcoin represents a newer asset class that offers unique growth potential and diversification characteristics due to its limited correlation with many traditional investments.

The objective is not to make aggressive bets on any one asset class but to create a portfolio that can potentially perform across a wide range of economic environments.

The Power of Strategic Rebalancing

Another key differentiator is Kerrimuir's commitment to active portfolio rebalancing.

Markets are constantly evolving. Asset classes that perform exceptionally well can eventually become over-represented within a portfolio, increasing risk. Conversely, underperforming asset classes may become undervalued and present future opportunities.

Kerrimuir regularly evaluates portfolio allocations and looks for opportunities to rebalance during both strong and weak market conditions. This process is designed to maintain disciplined portfolio construction and prevent emotional decision-making.

A recent example can be seen in our allocation to gold and silver bullion. With an approximate 5% portfolio weighting, these positions experienced significant gains during 2025, with silver bullion increasing approximately 100% and gold bullion advancing roughly 65% during the calendar year. Rather than allowing these positions to become disproportionately large within the portfolio, Kerrimuir gradually locked in gains throughout the period of strength.

This disciplined approach reflects an important investment principle: buy low, sell high. Rebalancing encourages investors to systematically trim positions that have appreciated significantly while reallocating capital to areas that may offer better future value.

Maintaining a contrarian mindset can often be difficult during periods of market enthusiasm, yet it remains one of the most effective methods of managing risk and preserving long-term wealth.

Introducing Return Stacking

One of the more innovative components within certain Kerrimuir portfolios is our use of Return Stack ETFs. Return Stacked® ETFs Seeking to Unlock the Benefits of Diversification

So, what exactly is "return stacking"?

Traditionally, investors allocate capital to individual asset classes such as stocks, bonds, or alternatives. Return stacking seeks to enhance diversification by providing exposure to multiple return streams simultaneously within a single investment vehicle.

Rather than choosing between equity exposure and alternative strategies, return stacking structures attempt to combine multiple sources of returns together. This can allow investors to maintain core market exposure while adding additional diversification layers that may improve portfolio efficiency.

The concept is designed to maximize the productive use of portfolio capital. By accessing multiple return drivers within one investment, investors may benefit from improved diversification without necessarily sacrificing exposure to core asset classes.

For Kerrimuir, Return Stack ETFs represent another tool that supports our overall philosophy of thoughtful asset allocation and risk management. They complement our existing diversification framework and help provide additional sources of return beyond traditional stocks and bonds.

A Long-Term Investment Philosophy

At its core, Kerrimuir is built on a simple belief: successful investing is not about predicting short-term market movements—it's about constructing resilient portfolios that can navigate changing market conditions over time. Through broad diversification, disciplined asset allocation, strategic rebalancing, and innovative investment solutions such as Return Stack ETFs, Kerrimuir seeks to deliver steady long-term growth while managing downside risk. Kerrimuir strategies continued to deliver strong long-term results through the second quarter of 2026:

• Kerrimuir Canadian Balanced
  • +19.7% over 1 year
  • +16.5% annualized over 3 years
  • +9.8% annualized since inception (April 2019)
• Kerrimuir Global Balanced
  • +20.2% over 1 year
  • +16.6% annualized over 3 years
  • +10.6% annualized since inception (July 2019)
• Kerrimuir Global Tactical Index
  • +30.2% over 1 year
  • +22.4% annualized since inception (July 2023)

The standout performer was the Kerrimuir Global Tactical Index, which generated a 30.2% return over the past year and has delivered an impressive 22.4% annualized return since its launch in July 2023. Meanwhile, both balanced mandates continued to produce strong risk-adjusted returns, with each strategy delivering approximately 20% over the past year and more than 16% annualized over the last three years.

For investors looking for a comprehensive investment solution, Kerrimuir provides exposure to a wide range of global opportunities within a single professionally managed portfolio. The result is an investment approach designed not just for today's market, but for the decades ahead.

 

Richardson Wealth is a subsidiary of iA Financial Corporation Inc. and is not affiliated with James Richardson & Sons, Limited. Richardson Wealth is a trade-mark of James Richardson & Sons, Limited and Richardson Wealth Limited is a licensed user of the mark. The Kerrimuir portfolio represents a portfolio managed account. It is not a mutual fund. The performance returns are as of June 30th, 2026, and are based on an actual representative account. Please note that past performance is not necessarily an indicator of future performance. The indicated rates of return are gross of fees and/or commissions. Individual results of client portfolios may differ from that of the representative portfolio as fees may differ, and performance of specific accounts is based on specific account investiture. The noted representative portfolio may not be appropriate for all investors.