“Invest for the long haul. Don’t get too greedy and don’t get too scared.” ~ Shelby M.C. Davis Which type of investor you are depends upon your risk tolerance. Take a look at the index results across the standard investment portfolio categories: Conservative, Balanced, Growth and Aggressive.  These numbers are based on indexes, not managed...Read More

What do rising rates mean for investors? What could be the impact on your stock and bond portfolios?  From 1982 to 2022, interest rates were generally falling. Then, about 5 years ago, they bottomed and started to rise noticeably. In this dramatic cycle rates peaked in the mid-teens and then declined even to the shocking...Read More

AI is making human connection MORE important, not less. ~ Ninna Lauridsen This short article, The Human Edge, from Advisor Analyst explores how AI can’t replace personal investment advice because it doesn’t understand you!  Here are some key takeaways from the article: AI amplifies bias rather than correcting it 93% of client communication is nonverbal  Technical expertise alone...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 most important lessons learned in investing are learned in the tough times.     ~Howard Marks Bear markets are inevitable.  If you are eighty-five, you have seen 14 and if you are forty, you have seen 5.  This chart tells how many bear markets occurred in your lifetime:  This next chart highlights some historical declines...Read More

“It is important to realize that sensational predictions rarely come true.” ~Ben Carlson Failed forecasts are prevalent in the financial industry. But is anyone keeping score?   This article, Some Things That Didn’t Happen, by Ben Carlson, previews his upcoming book which catalogues many dire warnings of impending doom.     Just take a look at some of these...Read More

In an environment where the media bundles business news with sports, we are conditioned to hearing stock market price updates along with the scores of games.  When a sports match is very exciting, we pay attention.  Likewise, when stock markets are volatile, we are captivated.  However, it is vital to maintain a balanced perspective so that...Read More

“That fear of missing out on things makes you miss out on everything.” ~Etty Hillesum As we are all aware, particular assets can rise very sharply from time-to-time. Predictably, news stories will create anxiety by focusing on the unusual gains other market participants are making, which can influence investor sentiment quite dramatically.  As more people...Read More

“There is a symmetry to bear markets in the short-term. In the long-term there is an asymmetric relationship between bull and bear markets. You just have to survive the short run to get to the long run.”  ~ Ben Carlson Bulls and bears represent stock markets because of the way they attack. Bulls fight by...Read More

Our “pension-style” portfolios provide opportunity as well as safety for Canadian investors.  Here are two reasons we diversify your funds outside of Canada: Canada represents only 3% of the world’s market capitalization. Investing internationally diversifies risk.   While our fund managers do invest inside Canada, even our “Canadian” funds have invested the maximum (up to 50%)...Read More