Checking Investment Performance

How Often Are You Checking Investment Performance?

Technology continues to change the speed at which we process information. According to Netflix, it takes just 1.8 seconds for subscribers to consider each program title they encounter.1 Studies show that online shoppers are more likely to make a purchase if they can retrieve product information more quickly. It was reported that for every 100 millisecond improvement in load time, Walmart experienced up to a one percent increase in online revenue.2
At the same time, we’ve conditioned ourselves to seek […]

Investing takes grit

Investing Takes ‘Grit’

If there’s one thing the extended bull market run has taught us, it’s that investing takes “grit.” Often dubbed “the most hated bull market of all time,” as reported by the media for many years now.
Grit is about having the same goal for a very long time, and sticking to it despite setbacks or failures. Researchers have determined that it can be one of the greatest predictors of an individual’s long-term success, even more important than IQ or wealth.1
As […]

Best GIC Rates

A Win-Win? Socially Responsible Investing

The release of Forbes magazine, 2019 Just 100 list suggests that Adam Smith’s book, The Wealth of Nations, may be more prophetic than ever. In Smith’s book, published in 1776, he used an “invisible hand” metaphor to suggest that in a free-market economy, businesses pursuing their own economic interests can end up serving the interests of society. Fast forward to today and the Just 100 list demonstrates that many large, U.S. publicly-traded corporations are successfully aligning business practices with […]


Budget 2019: New Housing Affordability and Retirement Planning Initiatives

In late March, the Federal Government tabled their final budget prior to October’s federal election. The Budget holds key initiatives aimed at helping young people with housing affordability, and to help seniors with retirement planning. Here are some notable changes that may impact you or your loved ones, specifically targeting the young and the old:
The Young: Housing Affordability
While many children may be hoping for support from the bank of mom and dad to purchase a home, if this isn’t […]

Investing is a bumpy road

Investing: Never a Smooth Road

Fear and greed—the two emotions that are said to drive the equity markets. How quickly, it seems, that the sentiment can oscillate from one extreme to the other. Over recent times, Canadian and U.S. equity markets have experienced periods of remarkable advances in prices, as well as many months which seemed to forecast an Armageddon just around the corner.
It is interesting how quickly the focus of many market commentators can shift with these movements. After a volatile December for […]


Investing to Beat the Average

I WILL stick to the investment plan when things are calm, and especially when I’m feeling anything but calm. When my emotions are running high, it is the wrong time to make rational decisions, including rethinking my investment objectives.

Think about the last financial decision that you made – whether that be a major purchase like a home or vehicle, booked a vacation or simply bought a new wardrobe. How much time did you spend researching that decision, and how […]

Inverted yield curve

Human Psychology, Market Timing, and the Inverted Yield Curve

Clients have asked recently about the reported inverted yield curve and what that means for their investments. Further, they have been asking if it is time to sell and go to cash. 
Many are pointing to the inverted yield curve as the predictor that a recession is around the corner. An inverted yield curve is when longer term interest rates (10 years) move lower than short term interest rates (3 month). This can be a good predictor that a recession will occur sometime […]


New Retirement Investment Vehicle coming in 2020

The federal budget has introduced a possible solution to help Canadians highly concerned about out-living their money. A recent CBC news article refers to a new type of retirement savings product — ALDAs, or Advanced Life Deferred Annuity, and VPLAs, or Variable Payment Life Annuities — that may be hitting the product shelves of financial institutions in 2020. 
The plan will allow retirees to keep more savings tax-free until later in retirement. The rules are being amended to permit seniors to purchase […]

Market uncertainty

No Safe Bets: Invest to Stomach some Uncertainty

I WILL NOT crave certainty. Although it’s our nature to seek assurances, “safe bets” in investing are either frauds or won’t deliver returns that keep up with inflation.
There are two types of “safe bets,” both of which promise a guarantee, but one results in financial hardship much more suddenly.
Bankers refer to the first type of “safe bet” as a deposit account. The second type is typically referred to as fraud, but conmen prefer descriptors, such as “risk-free” and “a […]

Patient Investor

The Patient Investor

The human brain is not equipped to be patient and stay disciplined when the market is in a tail spin. We are conditioned through millions of years of evolution to avoid pain and seek pleasure. This is why so many investors make the mistake of selling at the very worst times when the market is down. It’s moments like this that you see some of the best opportunities in the market.
How do you counteract making investment errors at […]