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The McClelland Financial Group Newsletter
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Happy Civic Long Weekend!!!
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 LIFESTYLE
Light Read – Fun and Enjoyable!
Lifestyle
Planning a Trip This Summer
Typically in the summer we take every opportunity for travel. However with the pandemic we are to proceed with caution. The following article looks at how safe it is to travel and what could be some alternatives other than international
travel.
View Article
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John Iaconetti B.A.S., Spec. Hons. Administrative Studies (Finance)
Financial Advisor
The McClelland Financial Group of Assante Capital Management Ltd.
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LIFESTYLE
Light Read – Fun and Enjoyable!
Lifestyle
What to say to your boss if you're struggling emotionally while working during the pandemic
If your mental health or emotional well-being has been affected by the pandemic, it's important to recognize your needs and speak up about them to someone at work and ask for it sooner rather than later, don't wait until you've
reached your breaking point.
View Article
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Michael Ams B.Com.
Strategic Associate
The McClelland Financial Group of Assante Capital Management Ltd.
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LIFESTYLE
Light Read – Fun and Enjoyable!
Lifestyle
10 Sunscreen Tips
While we all know sunscreen is an important tool when it comes to sun protection, some of us neglect to wear it. Whether it be for aesthetic reasons, laziness or forgetfulness – some days it just doesn’t happen. With these hot,
hot summer days we’ve been experiencing and the scorching sun it is more important than ever.
Readers Digest Canada has a simple yet informative article explaining “10 Sunscreen Tips You Should Always Follow to Protect Your Skin”. Some of them you may already be aware of, but I learned something new, such as what each
SPF number means and what level of protection they provide. Click here to read the article. Happy Reading!
View Article
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Chelsey Chartren B.Comm.
Financial Advisor
The McClelland Financial Group of Assante Capital Management Ltd.
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 DEEP DIVE
In Depth Article – Heavy on the facts and details definitely for the committed reader.
Rob's Read
It Depends
AWealthOfCommonSense.com:
"Stock market valuations may not make sense to a lot of people right now but valuations often don’t matter much in the short run.
Take a look at the average one-year
returns for the S&P 500 from various starting CAPE ratios going back to 1926:
 Lower than average valuations show substantially higher average returns but the average one-year returns are actually
better for the higher than 25 and 20 to 25 levels than the 15 to 20 subset for long-term PE ratios.
In the short run the stock market is a voting machine while in the long run it’s a weighing machine, as Benjamin Graham
so eloquently put it. If we go out even further you can see the weighing machine takes over:
 Now the relationship is clear as day — higher starting valuations lead to subpar long-term returns while lower starting
valuations lead to above average returns.
With a current CAPE ratio approaching 30x yet again (it only got as low as 24x in March) investors should definitely expect lower long-term returns from current levels…right?
It depends."
View Article
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Rob McClelland RFP, CFP, HBA
Vice President, Co-Branch Owner, Senior Financial Planning Advisor
The McClelland Financial Group of Assante Capital Management Ltd.
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FINANCE
Light Read – Useful and Relevant
Finance
10 Steps to take the Emotion out of Financial Decisions
The past six months have proved to be very emotional times for all of us. The pandemic has brought on fear and uncertainty into what the short term may bring in our lives. Some of us are dealing with job loss, decreased income,
or a drop-in value to our retirement savings. That is a lot of negativity in a very short period. These negative emotions urge us to make irrational decisions. We make these irrational decisions to find short-term relief in
the stress and fears we face today. Our focus as financial planners is to change your outlook from the short term to the long-term goals in your life. The best way to remove fear and uncertainty is to plan. Developing a plan
and being aware that there will be speedbumps along the way, help temper any negative emotions you experience in the short term. In our webinar we illustrate the 10 steps that allow you to take the emotion out of financial
decisions, and plan for your future based on logic.
View Article
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Carlo Cansino FMA, FCSI, CFP
Senior Financial Advisor
The McClelland Financial Group of Assante Capital Management Ltd.
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The Value of Your Financial Professional
Not all Canadians have the time or the desire to manage their finances.
Often that responsibility is delegated to a financial professional - like us.
It’s our job to sweat the hard stuff and keep you focussed
on the future.
As fee-based advisors we sit on the same side of the table as our clients.Your success is our success.
Our objective advice keeps our clients focussed on their plan for financial success.
Having good professional advice can reduce timing mistakes can save percentage points of returns over the long term.
Our goal is to help as many Canadian families as we can achieve a healthy, happy and successful future.
The McClelland Financial Group of Assante Capital Management
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Ask TMFG
Defined Benefit Pension
or Commuted Value?
Watch The Video
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THINK SMART
Podcast – Listen to Mike and Rob and their latest thoughts and industry insights
Think Smart
FOMO (Fear of Missing Out)
Are you missing out on
the next best stock pick?
As value stocks continue to underperform and growth stocks continue to outperform how much should you overweight your portfolio? The lure of the NASDAQ and extreme growth tech companies; is the expense of their stock price
worth the investment and can it maintain for the long term? As we struggle to recover and look for new direction after the COVID correction what is the right choice? We explore this and more today on ThinkSmart!
We've Reached 5000 Downloads
LISTEN TO THIS PODCAST
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Scholarship Extended
until August 30th
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Dimensional Fund (DFA) Advisors Reduces Management Fees
We are pleased to announce that Dimensional Fund Advisors (DFA) has made a significant reduction in the management fees on their mutual funds. The fee reduction is across all funds that are offered in Canada.
The average
savings in management fees is 9.85% across all the funds. The largest cut was in the DFA Canadian Core fund. That fund had a 20% reduction in management fees. Please see table below:
Source: Dimensional Fund Advisors Canada ULC Announces Reduced Management Fees and Risk Rating Changes for Certain Funds
We are glad to see Dimensional Fund Advisors continue to make an effort to reduce costs and keep our clients’ interests a priority. If you have any questions please speak with your advisor today.
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Next Webinar
Where Do We Go From Here
Webinar - August 26th
10:00-10:30 am EST
Have you experienced loss of income? Has your portfolio dropped dramatically? Is your retirement on hold? This is a perfect referral webinar. Register today or refer a friend.
Register Today
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Assante Capital Management Ltd. is a Member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada. This material is provided for general information and is subject to change without
notice. Every effort has been made to compile this material from reliable sources however no warranty can be made as to its accuracy or completeness. Before acting on any of the above, please make sure to see me for individual
financial advice based on your personal circumstances. Insurance products and services are provided through Assante Estate and Insurance Services Inc.
Commissions, trailing commissions, management fees and expenses, may all be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
Please read the Fund Facts and consult your Assante Advisor before investing.
Certain employees of (TMFG Tax Service) maintain a relationship with Assante Capital Management Ltd. ("Assante") through which they sell investment products. The relationship that they have with Assante does not include tax preparation
services which (TMFG Tax Service) is solely responsible. (TMFG Tax Service) is not associated in any way with Assante, and Assante has no responsibility for the tax preparation services offered by (TMFG Tax Service).
*Please note that a live recording may be conducted at our workshops. Consent will be obtained, should you be captured in the video.
**All personal information will only be used in accordance with your consent, and in compliance with Assante's Privacy Policy.
Let's keep communicating. We value our relationship with you and want to stay in touch, whether it's regarding events or newsletters. In brief, The McClelland Financial Group aims to provide you with information
that is relevant to you. As you are likely aware, on July 1, 2014 Canada's Anti-Spam Legislation (CASL) came into force which requires your consent to receive electronic communications.
If we do not receive an unsubscribe email from you we will continue e-communications under the implied consent provisions under CASL. **
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