News and Blogs


2018 Market Forecast & Investment Strategy

2017 Results: The Canadian stock market was the second worst performer of the G8 and G20 countries with an annual yield of 6.1%. Only Russia had a worse performing market. The U.S. had the best performing market out of the G8 countries with a return of 19.9% but 9 emerging markets outperformed the U.S. China, India and South Korea […]

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Mutual Funds and Deferred Service Charges

Over the past two weeks, I have opened a fair number of new accounts, which primarily have mutual fund investments in the client’s portfolio. We analyze the various funds but also research to see if the client had paid an upfront commission or if he/she will be charged a commission upon selling the mutual fund. […]

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Why Own One Stock When You Can Own 60?

One of the most difficult investment decisions is picking the “right” stock to invest in.  You can buy the best performing bank stock and it suddenly announces it has to write-down a significant asset portfolio due to some economic event you never dreamed of. This is why I’m a big believer in Exchange Traded Funds […]

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Cost Effective Portfolios

Cost effective portfolios outperform balanced mutual funds Investors today have many choices to help save for future events.  Registered accounts provide the ability to save either on a tax-free (TFSA) or tax-deferred (RRSP, RRIF, RESP) basis.  Financial services providers are plentiful.  Banks and insurance companies are leaders in providing mutual funds while investment dealers and […]

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What are ETFs?

ETFs are Exchange Trade Funds. Generally, they are a pool of assets, which track a published market index. For instance, the IShares S&P/TSX 60 Index ETF (Symbol XIU.TO) invests in the top 60 stocks that make up the S&P/TSX 60 Index published by Standard & Poors. In this particular case, Blackrock Asset Management is the […]

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Why I Like Whole Life Insurance

Whole life insurance or permanent participating insurance is a long-term investment product offered by certain insurance companies.  It is often viewed as an “expensive” product as the premiums are hefty annual amounts.  However, it is the only insurance product that provides guaranteed premium amounts, which will never change.  Furthermore, the insurance company shoulders the investment […]

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The Hidden Truth Behind Mutual Funds

The mutual fund industry in Canada is very successful.  Total assets under administration exceed $1.3 trillion and 4.9 million households are owners of mutual funds.  In a recent survey, 87% of Canadians said they have greater confidence in mutual funds than other investment choices. What Canadians don’t realize is the significant cost they bear by […]

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Maximize your Tax Free Savings Account

The Tax Free Savings Account (TFSA) is one of the few gifts Canadians have received from their government that provides a lasting positive sentiment. Everyone should maximize their annual contribution to their TFSA account before depositing any funds in their RRSP. When you are young, the marginal tax rates that are deferred in making RRSP […]

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