Question 1

Is IceCap affiliated with a bank or mutual fund company?

Accepted Answer

No. We are not owned by a bank, insurance company, or mutual fund company, which allows us to remain fully independent in our investment decisions. The only interests we answer to are our clients’.

Question 2

Where does IceCap operate?

Accepted Answer

We are based in Halifax, Nova Scotia and licensed to provide discretionary portfolio management across ten Canadian jurisdictions. We work with clients wherever they are, coordinating with their existing tax and legal advisors as needed.

Question 3

What investment philosophy does IceCap follow?

Accepted Answer

We take an independent, global macro perspective. Research on diversified portfolios consistently attributes the vast majority of variation in long-term returns to asset allocation rather than to individual stock selection, so our process begins with a thorough analysis of the global economy and international capital flows.

Question 4

What asset classes does IceCap invest in?

Accepted Answer

Portfolios can hold every major asset class (stocks, bonds, gold, commodities, real estate and currencies), accessed primarily through Exchange Traded Funds for their low cost, diversification and tax efficiency.

Question 5

How does IceCap determine portfolio strategy?

Accepted Answer

Strategy is set top-down. We assess where the global economy and capital flows are heading, translate that view into an asset allocation, and then tailor it to each client’s goals, time horizon and tolerance for risk.

Question 6

How does IceCap charge for its services?

Accepted Answer

Every fee you pay is stated explicitly on your statement and never buried inside a product. You always know exactly what you are paying and what it is for.

Question 7

Why does IceCap emphasize transparency?

Accepted Answer

Most providers bundle management, advisor and administration fees into a single price, often charged internally where you never see it. We take the opposite approach so that costs, and the value behind them, are always visible.

Question 8

How does IceCap keep fees competitive?

Accepted Answer

We eliminate the distributor fee entirely and use ETFs, which carry a cost advantage of roughly 1.5% versus actively managed mutual funds. Outsourcing administration further lowers management and administration costs.

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