Taxes can significantly lower your net investment returns. Unfortunately, the cumulative costs can be huge.  Fortunately, keeping more of what you earn is possible. This “tax-drag” problem (and potential solutions) becomes clear with three simple illustrations:  How much higher can your investments grow?  Source: Lifecare Insurance and Financial Experts Inc. A “registered” account allows your...Read More

There is an old quip to describe the cost of market timing. Q: Why is your portfolio like a bar of soap?  A: The more you touch it, the smaller it gets! Consider the enormous performance gap between long-term buy and hold vs the average investor’s results from market timing:   Wow! And that doesn’t even...Read More

“Diversification is the only free lunch.” ~ Harry Markowitz Retirement is a long-term time horizon, hopefully decades. Those preparing for retirement relatively soon, and retirees face a practical consideration: even the two main investment assets, stocks and bonds, can work against investors for years.  So, what is the risk of being in the wrong market...Read More

“Lower taxes will stimulate your own personal economy…” ~ Fabrizio Moreira Every person has unique financial goals. Unfortunately, most Canadians are not fully aware of the powerful tax advantages that are available to them. Yet, selecting which types of investment accounts to use is an important factor in achieving those goals.  RRSPs, Spousal RRPS, TFSAs...Read More

“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