Qube Investment Management Inc.

One of the benefits of being an independent firm is that we can indulge our intellectual curiosity and adjust course in the pursuit of better returns for our clients.

Lately, we’ve been inspecting the source of Kaleo’s returns. Did the returns come primarily from careful stock selection, or was it more a case of good allocation—either geographic or sector? Knowing the answer will help us assess the effectiveness of our current investment strategy and identify areas for improvement! Explore our portfolios: https://hubs.li/Q01YQHk50

You might have made one of these mistakes when arranging your will or estate plan! Not to worry, though. Qube's expert team can help you remedy the situation and chart the best possible course for your family. Visit our website for more estate planning tips.

A recent (long overdue!) change to RESP withdrawals was proposed in Canada's Budget 2023. The limit on first withdrawals was raised from $5,000 to $8,000. As tuition and the cost of living soars to new highs, this change is much needed!

Now, this may change how you plan RESPs for your children or grandchildren. Qube clients can take advantage of our expertise in this area! Visit our website to learn more about our financial planning.

We've got a new book recommendation for you! Michael, one of our investment counsellors, recently read The Education of a Value Investor by Guy Spier. Largely speaking to young advisors starting their careers, Spier explores the incentives that drive investors' actions and how to create a successful environment in which to flourish. The book isn't a challenging read and may give you a better understanding of the financial expert's point of view.

NEW: We've just updated our PHSP white paper. PHSP stands for Private Health Services Plans and they're a fantastic, tax-efficient way for small business owners to provide health benefits to their employees. These self-administered plans may help you attract and retain employees. Qube's PHSP Kits can be purchased for a one-time fee and are incredibly simple to implement. Check out the white paper: https://hubs.li/Q01YQN730

Whitepapers - Qube Investment Management Read whitepapers that explore issues related to investing and finance shared by portfolio managers and equity analysts at Qube.

The main difference between speculating and investing is the amount of risk involved. Qube's clients benefit from our thorough analyses based on carefully weighted metrics, focus on long-term growth, and calculated exposure to different sectors and geographic regions. Read more about our investing practices on our website.

"Each of these businesses have their stories—their ways of being successful, and it's been fun exploring that." Planning Analyst Mackenzie and the rest of our team have been applying their painstaking attention to detail to our new service: private valuations! We hugely respect that every entrepreneur has had their share of challenges and each company has its own unique features.

If you're thinking of retiring, Qube's private valuations can help you gain credibility when seeking the best sale price for your company. Learn more about our comprehensive service: https://hubs.li/Q01YR0kJ0

EXCITING NEWS: This year's squad of student equity analysts has delved deep into our research universe, combing through a staggering 200+ companies since January. The quest to discover undervalued companies is a team effort; analysts, investment counsellors, and portfolio managers all come together to optimize the Kaleo portfolios for our clients!

Power outages are becoming a more common occurrence due to extreme weather. At the same time, many homes now contain smart devices, and our reliance on electricity is at an all-time high. So it's no surprise that, in May, Qube's Steering Committee decided to take a position in Generac, a company that deals in power management solutions. Read more about this purchase in the summer edition of our Semi-Annual Commentary: https://hubs.li/Q01XckMW0

At Qube, our investment counsellors work solely for you. Plus, our loyalty discount program rewards you for sticking with us! Receive a 0.3% discount after your first 36 months of investment. Invest with Qube, and make your wealth matter. Visit our website to learn more about our fee structure: https://hubs.ly/Q01VGtff0

Forget overly complicated recipes. We tend to believe in quality over quantity, which is part of why Qube's Kaleo portfolios aim to hold just 40 companies. Each position we take requires strong conviction from not only the researching analyst, but our investment counsellors and portfolio managers as well.

The new summer edition of our Semi-Annual Commentary expands more on the idea that the best portfolio results from the right combination of simple ingredients. Read the article now: https://hubs.li/Q01Xc0sq0

Investors, you probably know that panic selling is not a wise move. But you might not be aware of how drastic a difference only a couple mistakes can make! Read through a tale of two brothers that illustrates why a steadfast approach to investing is typically best. The article is available now in the summer edition of our Semi-Annual Commentary: https://hubs.li/Q01XbWnm0

Entrepreneurs, thinking about expanding your business? Qube's private valuations can tell your narrative in numbers. There's a story to be told from the financial perspective that's unique to your business.

A private valuation can provide a snapshot of your company's worth and reveal different avenues for growth. So where will your journey lead you?

Reach out to the Qube team to get started. Call (780) 463-2688 or email [email protected].

Private Valuations - Qube Investment Management A private valuation is an opportunity for business owners to discover the value of their business and identify areas for strategic growth.

A bird in the hand is worth two in the bush. How is Aesop's fable reflected in the core principles of investing? Or how is it dismissed for a chance at a bigger, juicier payout? Thomas, one of our student equity analysts, discusses contrasting approaches to capital budgeting and the dangers of chasing high dividend yields. Read the article--available in the July edition of our Semi-Annual Commentary! Read now: https://hubs.li/Q01XbTYF0

Are you the kind of person who obsessively researches a topic in their spare time? Do you prefer to avoid risks and take comfort in stability? Would you happily follow the guidance of experts, despite having little knowledge yourself?

The latest in our Qub[Ed] video series challenges you to take on some introspection into the type of investor you are. Watch now: https://hubs.li/Q01WqrRn0

Why would a business owner want a private valuation for their company?

You might be starting to think about passing on the business to your children or grandchildren. Or maybe you're thinking about selling and retiring.

Any time you want to do long-term planning, it's essential to take into account the intricacies of your business. Qube's three-phase private valuations can help you approach the future from a place of knowledge.

Reach out to our team to learn how we can help you determine a path forward. Call (780) 463-2688 or send us an email at [email protected].

Private Valuations - Qube Investment Management A private valuation is an opportunity for business owners to discover the value of their business and identify areas for strategic growth.

UPDATE: Qube's Steering Committee has decided to take positions in two new companies--Wesco and DaVita.

Wesco is an industry-leading electrical distributor with a unique business model harbouring low cyclical risk through its non-traditional electrical distributor segments. A narrative of robust sustainable growth gives us confidence in this company. Plus significant buybacks and low payout can provide an alternative shareholder reward if growth slows.

Health Care company DaVita Inc. is a leading provider of kidney care services in the United States that operates kidney dialysis centres, outpatient clinics, and related laboratory services. The company's revenues come primarily from fees charged for these services. DaVita is a stable, essential business that both the government and massive US insurers have an interest in keeping around.

Learn more about what metrics we use to select our stocks: https://hubs.ly/Q01VGxY00

Our group savings members--along with everyone else saving for retirement--need to understand investing's basic tenets. Karlen, a planning analyst here at Qube, walks you through the "whats" and "whys" of investments in our latest YouTube video.

Beyond terminology, contemplate why the market behaves as it does, and examine the outlook if you were to start saving today from a balance of $0. Watch now: https://hubs.li/Q01VGrMV0.

The July edition of our Semi-Annual Commentary will be here soon, but have you checked out January's edition? We revealed why we don't actually pay too much attention to stock market gossip, and we shared the narrative of insurance company Progressive. Plus, we talked about the price of certainty versus risk. Those articles, and many more, can be found in our free Commentary archive: https://hubs.li/Q01RTrHZ0

The countdown to Commentary has begun! Twice a year, we publish the Qube Semi-Annual Commentary. It's a collection of articles authored by our own team of experts. You can expect exclusive Stock Spotlights, investment think pieces, and—of course—market commentary. Above all, we aim to inform and educate you on practical matters that could have impact on you and your financial well-being.

While you wait for July's Commentary, have a look at our Commentary archive: https://hubs.li/Q01RTmfX0

In our opinion, one of the WORST things that can happen when you're collaborating with a wealth manager is that you leave a meeting with more questions than answers. The team at Qube encourage questions and are always promoting financial literacy. What that means for our clients is that they should never feel scared to ask for clarification. In fact, clarity a core tenet of our client service commitment.

Learn more about why we care about your financial literacy: https://hubs.li/Q01RTp100

Qube offers private valuations, a comprehensive service designed to help business owners determine the true worth of their companies.

Have you ever wondered, "How much is my company worth?" This seemingly simple question necessitates an in-depth analysis provided by a valuation expert. At Qube, we understand the intricacies involved in valuing a private business. There's a narrative in the numbers, and we have the skills required to aid you and your business. Plus, we are always transparent about our fees!

Don't miss out on the opportunity to gain insight into your company's worth and discover the practical steps you can take to increase its value. Reach out to our team at [email protected] or give us a call at (780) 463-2688.

Wealth Management & Financial Services - Qube Investment Management Edmonton's very own Independent Portfolio and Wealth Management Services with over $300+ million in assets.

Unlike many wealth management firms, we conduct our own research to uncover undervalued companies to hold in our Kaleo portfolios. To ensure the highest standards in equity research and valuation, our team designed (and continues to refine) a 13-week bootcamp that prepares our incoming student equity analysts.

This comprehensive program is taught by our experienced investment counsellors and portfolio managers, who share their expertise and insights with the next generation of finance professionals. These individuals, recruited from various prestigious post-secondary institutions, join us as third and fourth-year Finance students. Learn more about the Qube Analyst Program and our research methodology: https://hubs.li/Q01T8cCR0

Don't miss out on valuable financial education! We put out videos that educate you on available benefits and financial planning strategies that can help you achieve your goals. And a sprinkle here and there of Stock Spotlights which tell the stories of companies we've researched.

Subscribe now: https://hubs.li/Q01RTnXn0

Having discussed previously the basics of the Canada Pension Plan, we now delve into the ongoing enhancements to CPP that are being phased in. Additionally, OAS saw a long-overdue update to its benefits. Explore what this means for your retirement in our latest video. Watch now: https://hubs.li/Q01SywHB0.

What are the advantages of a private valuation from Qube?

1. Well for starters, you'll gain an accurate picture of your company's true value. Our experts take a holistic look at all aspects of your business.
2. You'll save time. As you can imagine, taking all these aspects into account can be a time-consuming undertaking. Let the Qube team handle this process.
3. We can reveal the optimal tax savings and tax shields that are available for your business. There's no reason to leave money on the table!
4. Finally, and perhaps most importantly, we can provide you with actionable ways to increase the value of your business.

Book a meeting to speak with our team. Email [email protected] to get the ball rolling.

Is it possible? Could you really retire with a million dollars at age 65? If that's your goal, compound interest is your friend!

Let's set a scene. You're 30 years old and starting with $0. You manage to invest $1,025 every month into Qube's balanced GRSP fund. If our 10-year return is 7.63% annually, and you are able to get an employer-match, you may be able to reach $1 million by retirement. That means you could potentially withdraw over $40,000 a year for 30 years!

Read more about the benefits of a GRSP: https://hubs.li/Q01N4-f-0

Well, it's that time of year when our students spread their wings and go out into the world. We were honoured to equip them with the practical knowledge needed to excel as analysts! A couple of them opened up about their big plans post-graduation.

Steven is wrapping up his Bcom with a major in Finance and a certificate in Real Estate. Then he's headed across the country to Ontario to start a new role as an Investment Banking Analyst! Eric recently completed his Bachelor of Commerce. And now he's on his way to Calgary for a position at PWC!

Learn more about the Qube Analyst Program: https://hubs.li/Q01N4-jG0

Qube now offers private valuations! The question has crossed every business owner’s mind: How much is my company worth? Utilize our expertise, and we can recommend which levers you could pull to increase value.

Learn more about who we are and how we can help you: https://hubs.li/Q01N4_HF0

Wealth Management & Financial Services - Qube Investment Management Edmonton's very own Independent Portfolio and Wealth Management Services with over $300+ million in assets.