Do you want to know how to build meaningful wealth during a lifetime? The most proven way is achieved through business ownership. By investing wisely in the shares of companies trading on public stock exchanges, we become owners of companies which allows us to “share” in their growing corporate profits. Evidence for the ability of business...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
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
A general fall in the value of stock markets could present serious challenges to retirees and those who are late in their careers. Rather than benefitting from an opportunity to purchase lower priced securities, those investors may now have to sell their investments to withdraw funds in order to provide for their retirement needs. This...Read More
In this newsletter we have attached Fidelity’s 2025 Retirement Report. This survey of 2,000 Canadians provides an overview of their attitudes and preparedness regarding retirement. What is the outlook for Canadians who want to retire soon? Do they believe they have enough savings and do they anticipate working post-retirement in some form? What do they...Read More
“Either you can retire or your money can retire but not both.” Recently, a wise friend reminded us of this astute phrase to highlight the point that we must make our money work for us. Our sustainable program of “pension-style” investing maximizes your benefits. We promote this approach because it best assists you to prepare...Read More
We want you to know that we invest in the same “pension-style” portfolios we recommend for clients. We delegate the day-to-day investment decisions to our elite suite of professional mutual fund companies who are carefully selected for their solid long-term track records. Pension-style investing means: Our financial consultation aims to fund your long-term financial needs....Read More
The most important part of an investment return is the amount of risk taken to achieve it. Investors should always be in control of their level of risk. Even if two portfolios achieve the same return, the one that takes less risk to do so is the better option. Improving risk-adjusted returns is a critical...Read More
We started CommonWealth Financial Strategies at Queensbury Securities, because after many years in the financial industry, we believed we could offer a better way for people to steward their investments that is in their best interest. Financial Advisors Should: Focus on client investments that meet their needs rather than chasing fads Offer pension-style portfolios constructed...Read More
