Our team helps investors set realistic expectations. While markets were up approximately 75% of the time over the last 50 years, it is good to remember downturns can be significant – four periods saw the markets losing approximately 20% and much more in 2008/9. The cumulative losses from 2000-2002 are especially noteworthy. Our portfolios participate...Read More
Our CommonWealth “pension-style” portfolios participate strongly in market upside while incorporating a diverse set of effective strategies to adjust risk on your behalf. This multi-strategy approach is specifically designed to protect your funds against market downside. Each fund employs a unique risk management tool and in combination they provide you with a complementary suite of...Read More
Your investment portfolio must be properly suited to the financial goals you wish to pursue. What matters to people is their particular market experience during their personal investment time frame. This article by Ben Carlson explores how different time periods can produce highly variable market returns: https://www.virtus.com/assets/files/8wn/the-long-term-depends-on-your-time-horizon_5004.pdf Keep in mind that long-term stock market numbers...Read More
Did you know that we offer a valuable portfolio evaluation service? We would be pleased to evaluate your existing investment portfolio, at no cost and no obligation. We use software to analyze any portfolio’s risk-adjusted returns and compare them to our pension-style model portfolios. Please visit: https://cwealth.ca/contact-us/ to connect with us. We select best-in-class...Read More
Our pension-style portfolios are designed to smooth out your investing experience while meeting your long-term goals. Examine this fascinating “Sector Quilt” chart to see the drastic annual differences in performance among individual compnonents of the S&P500. Sectors frequently oscillate between the best and worst performers from year to year which demonstrates the benefits of ongoing...Read More
We routinely cover the following topics with clients because they can significantly affect their personal finances. This framework can help prepare you for financial success. Let us know if you have any questions and we can set up a time to discuss your financial goals with you. 1. Budget and Balance Sheet Issues Taking periodic...Read More
Most of us work hard, sacrifice and invest our savings over many years but when our retirement arrives we may not have fully considered how to make the significant lifestyle shift from saving to spending. We must learn to change our mindset from accumulating assets to spending our money. Frequently, for those who are frugal...Read More
We are very pleased to launch our new website! Visit www.cwealth.ca for details about what we believe and the services we offer you. You will find information about our team, our ethics, and key concepts about investing. You may request your portfolio analysis using software to compare your current portfolio with our CommonWealth Model Portfolios. ...Read More
The Fraser Institute estimates that Canadian families already pay 43% of their budget in taxes. Furthermore, our taxes are increasing this year with hikes that will cost taxpayers another $3.4 Billion annually! Due to the challenges posed by high inflation and increasing taxes, Canadians have to prepare more diligently to manage their own finances effectively. To...Read More
March 3, 2025 is the last day to make an RRSP contribution for the 2024 tax year. You can find your personal contribution limit on your Notice of Assessment (NOA) from Canada Revenue Agency and can confirm with your Tax Advisor. These are some potential benefits of an RRSP to consider: You receive an RRSP tax deduction to use against income Your...Read More
