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
The following sneak peek into our “pension-style” investment process comes from our forthcoming new website…more to follow! Below we detail how we manage our CommonWealth Portfolios. We do this work for our clients so they can invest with confidence. Our Pension-Style Investment Process: First, we use multiple statistical metrics and strict quantitative criteria to test...Read More
Fee-based financial professionals create a win-win situation for their clients and themselves by placing themselves on the same side of the table. There are many advantages to be gained from this professional relationship. A more trusted relationship is achieved immediately because there is no commission to buy or sell any product. Advisors are transformed into consultants by...Read More
