“I wrote this book to remind you that the long-term rewards make the uncomfortable short-term risks worth it in the end.” ~ Ben Carlson Perspective, perspective, perspective! Better understanding the risks of investing supports our belief that defensive investment strategies will benefit you! Here, Ben Carlson explains why he wrote his new book, Risk & Reward.   Ben...Read More

Retirement in Canada is changing. This is where our team of financial advisors can help you. We understand Canadians are facing many new realities and can structure your portfolio to address your specific personal needs.  This 2026 Fidelity Retirement Report provides important insights into many new factors currently affecting retirees: The Top Trend Changes in Canadian Retirement...Read More

The only problem with market timing is getting the timing right. ~ Peter Lynch When I was young, I remember looking at the business section of a newspaper and asking: “Why don’t people just buy at the 52-week low?” Now that I’ve worked in the investment industry for decades, I better understand the facts about market...Read More

Retirement is when having a good time is your only job.~ Anonymous Every Year, Fidelity Investments publishes a detailed report to help Canadians think about retirement. Do you want to know: Which particular factors make Canadians feel more well-prepared? How can pre-retirees and retirees feel more confident and optimistic? We are glad to share this...Read More

How much should we trust stock market predictions? One particular memory stands out.  The most common complaint in 2000? I sold my Nortel too soon! The most common complaint in 2001: I wish I sold my Nortel sooner! A Case Study Following predictions can be very problematic. Dr. Michael Burry became famous for predicting the eventual 2008...Read More

Inflation changes everything. Investment portfolios can be affected by inflation in three crucial ways: 1) Portfolio Correlations     2) Real Returns   3) Sector Outlooks It is important to have a game plan for investing during periods of inflation. Portfolio Correlations Portfolio diversification is weakened (gold line) if stocks and bonds move together. Inflation can cause stocks and...Read More

“Cessation of work is not accompanied by cessation of expenses.” We don’t know what stock markets will do when we plan to retire. In his article, The 4 Year Rule for Retirement Spending, Ben Carlson explains an interesting strategy for investors approaching retirement: The Retirement Buffer Strategy: Setting aside funds to pay the bills for a...Read More

Nothing goes up forever.  Likewise, the stock market rhythm of boom and bust creates a tendency for long-term breaks after many years of gains. When we step back and examine a stock market chart, we may observe multi-year periods of both strong gains and stagnation:  ​​As you know, we have recently experienced many years of...Read More

We could soon experience the longest bull market in history. The current uptrend in the S&P500 is close to surpassing the previous record for length of time without a prolonged downturn.  These two bull markets periods do not include the technology crash of 2000-2002, or the financial crisis of 2007-2008:  Avoiding those two crashes would...Read More

“The simpler it is, the more I like it.” ~ Peter Lynch How do you feel when you see a delivery truck? It probably depends on your perspective.  If you are not expecting a delivery, you may not even notice it. If you are expecting a delivery, you will likely feel excited. But if you own...Read More