I wrote the article below at the end of 2011. As you may recall, the general market was down 9.41% (MSCI All Country World Index USD). The message of this article is just as important now as it was in 2011. With record highs this year, investor sentiment is at a high as well. That …
One of Warren Buffett’s most oft repeated quotes has little to do with his own investment experience but moreso with his true investment philosophy…”Most investors, both institutional and individual, will find that the best way to own common stocks is through an index fund that charges minimal fees.” Sure, talk is cheap though. The saying, …
It’s that time of the year again when millions of Canadians make the mad rush to contribute into their RRSPs. For those that have not contributed throughout the year via a pre-authorized contribution plan, are subject to the anxiety that comes with “waiting until the last minute”. Still, we make it through and manage to …
“January is always an entertaining time in the investment industry. Not only is it a time when we can reflect on the past year and grade the predictions made, we are also offered a glimpse into what the market can expect and make our investment decisions accordingly. Market doomsayers and market optimists both take their …
“I understand that bonds prices go down when interest rates go up and vice versa. That said, should I still be holding bonds in my portfolio?” We hear this question in almost all client meetings. Investors are conditioned to believe that bonds are only good in falling interest rate environments. With all the talk about …
The CRA has smiled upon the Canadian tax payer. In January 2014, the spousal loan rate will drop from 2% back to 1%. This should significantly increase the number of households who utilize this income splitting strategy. What is income splitting, you ask? Income splitting is a tax savings strategy granted to Canadian households with …
This is the million dollar question. Or is it the five-hundred thousand dollar question? One of the biggest fears Canadians have about their retirement is outliving their money. Retirement income does not have to be an anxious or stressful topic, if properly planned for. The key to avoiding the anxiety is determining the annual income …
Looking for a financial advisor can be an overwhelming task. What institution should I use? What is the difference between a financial consultant, financial advisor, investment advisor, financial planner, or investment consultant? What makes a “good” financial professional? These are all questions that are asked and should be asked when searching for someone to help …
As I write this, the TSX has closed down 300 points and the Dow has closed 350 points. I’d say that it was a bad day in the market. It’s a good thing that nothing has changed in my financial situation or with my financial plan. Therefore, I plan on doing nothing. As an investor, …
With the global stock market performing as well as it has been over the last 16 months (MSCI All Country World Market Index USD was up 13.4% in 2012 and up 8.7% as of April 30, 2013), many investors are shying away from or reducing the amount of bonds in their portfolios. Why is this …
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