Cogesfonds seeks to understand and assist in defining the needs and objectives of the client in order to prepare an appropriate working plan. It is very important to set the goals to be achieved and to design a plan of investment diversification based on a clear understanding of the characteristics of the various markets. The performance of the investment portfolio will depend closely on the appropriateness and adherence to this plan. Designing this plan The client describes: • His financial situation; • The amount of capital he wishes to invest in relation to his total assets; • His tolerance to risk; • The income needs; • His investment horizon. Cogesfonds proposes: • The asset mix between cash, bonds, equities, etc.; • The distribution of securities within major geographical areas namely Canada, United States, Europe and Asia pacific; • The policy concerning the quality, diversification and maturities of bonds; • The policy on quality sectorial distribution and diversification of stocks; • The strategy concerning the number of securities to use. Each client may have one or more portfolios and has direct access to the investment managers. Cogesfonds builds portfolios to suit individual needs with his own securities and can consolidate various portfolios as needed.