Investment management, portfolio management and asset management are all terms that refer to services that provide oversight of a client’s investments. Investment management isn’t just about managing the specific assets in a client’s portfolio, it includes ensuring the portfolio continues to align with the client’s goals, risk tolerance and financial priorities.
Goldman Sachs’ Consumer and Investment Management Division (CIMD) works with a diverse range of world-class institutions, high net worth individual investors and retail consumers globally to achieve investment goals and financial well-being and bring an innovative approach to traditional consumer banking. We are one of the world’s largest asset managers, with approximately $1.8 trillion in assets under supervision across asset classes and strategies. Our global professionals are dedicated to helping clients navigate markets and meet their investment goals. We are:
Consumer includes our lending, savings, credit card and financial tools teams, collectively working towards creating the leading platform for millions of customers to take control of their financial lives. Through the use of intuitive design, we provide customers with powerful tools and products that are grounded in value, transparency and simplicity. Within our Consumer business, we are primarily looking for candidates with the following skillsets:
Many financial advisors in Canada call themselves financial planners yet only hold licences to sell personal financial products (primarily investments and insurance), or use non-expiring qualifications with no monitoring or public accountability process (such as the Personal Financial Planner / PFP designation). There are only two publicly monitored and fully regulated financial planning designations outside of Quebec – the CFP (Certified Financial Planner) and the R.F.P. (Registered Financial Planner) designations.
You will first explore the different biases that we, as humans, are subjected to when facing investment decisions and how they may impact the outcomes of these decisions. Moreover, you will see how emotions and ethical concerns such as honesty and trust influence market participants. When they are considered as a group rather than individually, you will discover how rationality and irrationality can drive asset prices to and away from their fair value. Finally, you will be presented with different portfolio construction methodologies and investment styles that make up the landscape of today's portfolio management industry. At key points throughout the course, you will benefit from the practical knowledge of experts from our corporate partner, UBS, in how to build and manage clients' portfolios.
LMS has implemented a series of protocols to ensure all of our communities are as safe as possible. Currently, all offices are closed to the public but our teams are still responding to emails, phone calls and offering virtual tours, and our service departments are responding to emergency service requests only. We have implemented enhanced cleaning procedures, our team members are equipped with applicable personal protective equipment and we have discussed as a company the importance of social distancing following CDC and public health guidance.
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For more leads, check the National Association of Personal Financial Advisors (NAPFA). These planners are fee-only, which means their only revenue comes from their clients. They accept no commissions at all and pledge to act in their clients’ best interests at all times. In many respects, NAPFA standards meet or surpass the requirements needed for a CFP credential.
The term 'asset management' is often used to refer to the investment management of investment funds, while the more generic term 'fund management' may refer to all forms of institutional investment as well as investment management for private investors. Investment managers who specialize in advisory or discretionary management on behalf of (normally wealthy) private investors may often refer to their services as money management or portfolio management often within the context of "private banking". Wealth management by financial advisors takes a more holistic view of a client, with allocations to particular asset management strategies.
In Australia, a company providing financial services must obtain a licence from the Australian Securities and Investments Commission (ASIC). However, there are no requirements for the individuals providing the financial advice, and the ASIC website states that "Holding an AFS licence does not provide a guarantee of the probity or quality of the licensee's services."