A New Age of Uncertainty

April 25, 2025

It has been said that there are known knowns—the things we understand; known unknowns—the uncertainties we are aware of; and unknown unknowns—the surprises we don’t realize exist until they happen.

During Uncertain Times: The Value of Diversification

April 15, 2025

The capitalization-weighted return of the top five U.S. technology companies relative to the S&P 500 in 2024 alone (chart below) highlights how a handful of names have come to represent a disproportionate share of the benchmark. DeepSeek’s announcement may have unsettled markets, but consider that innovation inherently requires disruption—a concept often described in Schumpeter’s Creative Destruction theory.1 Indeed, the progress of humankind is a result of incessant product and process innovation.

The Evolving Trade Tariff Situation: Is a Recession on the Horizon?

April 8, 2025

For now, Canada has some economic buffers in its favour: low interest rates, low inflation and a weak Canadian dollar, which may support exports by making them more affordable to international buyers or help offset the impact of potential tariffs on U.S.

Equity Market Gains: Perspectives on Concentration & Valuations

November 20, 2024

With volatility returning to markets over the summer, a renewed sense of uncertainty reemerged. There has been much discussion centered around the mega-tech stocks, with some suggesting their relative concentration and lofty valuations pose risks to future equity market gains.

The Largest Wealth Transfer in History is Here

October 30, 2024

The boomers are now commonly referred to as the “luckiest generation” due to their significant leap in prosperity, benefitting from substantial price growth in the housing and financial markets. Consider that the average price of a Canadian home has risen about 800 percent since 1981, when most boomers were in their 20s and 30s — the prime years for household formation

Delayed Landings

October 11, 2024

We find ourselves in a period where sentiment could be aptly described by Charles Dickens’ classic line: “It was the best of times, it was the worst of times...” Today’s narratives are seemingly contrasting. On one side, we are living in an era of unprecedented technological advancements and some of the highest standards of living in history, marked by improved quality of life, increasing wealth positions and one of the highest life expectancies.

U.S. Election Fever: Investing Perspectives

September 27, 2024

U.S. presidential election fever is in full force! Election years are often fueled by uncertainty about future policies, regulatory shifts and their potential impact on economies — and this year’s U.S. election has been no exception.

Oh, Canada! We’ve Got a Productivity Problem

September 24, 2024

“Why isn’t Canada an economic giant?” This was the headline of a Financial Times article highlighting our “vast potential” but suggesting we “underperform on the global stage.

2024 U.S. Election and The Potential Impact on Our Portfolios

September 9, 2024

There is no doubt, however, that the current campaign is anxiety inducing for investors. Canada may be gearing up for its own divisive political battle, but its noisy neighbour is a behemoth that dominates news cycles. And just like a good horror film, these stories are full of jumps and nerve-shredding moments. It’s only human, therefore, to get caught up in these feelings.

Why Have Central Banks Been Slow to Cut Rates?

August 22, 2024

In the U.S., inflation has been more persistent in a relatively strong economy. This contrasts with Canada, where economic activity has been lacklustre and there have been greater indications that inflation is cooling

Spring Recap: Budget 2024 — Five Things Investors Should Know

July 23, 2024

On April 16, 2024, the federal government released its budget, with a focus on home affordability and reducing the cost of living to “strengthen the middle class.”

Women & Wealth: Navigating Shared Circumstances

June 27, 2024

There is no “typical” woman investor. However, many women share certain circumstances that can present challenges to wealth accumulation.

Is Your Day-to-Day Living Impaired? The DTC May Offer Support

June 18, 2024

While there has been a substantial rise in the number of Canadians living with a disability, many are not aware that loved ones may qualify for the Disability Tax Credit (DTC).

Canada & U.S. Economic Divergence: The Case for Diversification

May 15, 2024

While the economies of Canada and the U.S. share many similarities, why has the U.S. recently posted solid economic growth while Canada has been relatively sluggish? This divergence may be attributed to a variety of factors.

Growth Will Persist

May 1, 2024

A little over six years ago, renowned investor Warren Buffett made a bold prediction: The Dow Jones Industrial Average (Dow) would reach the milestone of one million within 100 years.

CPP/QPP Reforms: For 2024, Expect to Pay More

January 31, 2024

If you earn employment income, you may have noticed more of your paycheque going towards CPP/QPP contributions.

Looking Back, Looking Forward: Keeping Perspective

January 22, 2024

According to The Economist, consumer sentiment is at some of the lowest levels in decades. Yet, this collective feeling does not accurately reflect the actual economic data. Since the pandemic, there’s been a growing divergence between sentiment and economic performance

Lessons from Generational Resilience

December 21, 2023

One of our modern-day challenges is that technology has ushered in an era of instant communication and connectivity that seems to amplify awareness and sensitivity. There is never a shortage of negative news and today is no exception.

Maximizing Your Wealth: How to Keep Your Assets Working Hard for You

December 18, 2023

For those of us who manage wealth on a regular basis, it continues to be surprising to see the growing number of assets that are forgotten or just not optimally put to work.

Looking Forward: Growth Will Continue

November 29, 2023

As the economy begins to show signs of slowing, we may need a reminder to focus on the positives. Interest rates are steadying, and inflation is being kept under the watchful eyes of the central banks.

Warren Buffett Speaks: His “Secret Sauce” & More...

October 12, 2023

What’s in Warren Buffett’s “Secret Sauce?” In his latest shareholder letter, the Oracle of Omaha shares one of his key ingredients for success: dividend-paying stocks. 

Budget 2023 Recap...& The Canada Revenue Agency is Watching 

September 26, 2023

On March 28, 2023, the federal government delivered its budget, with a focus on building a “stronger, more sustainable, and more secure Canadian economy,” highlighting three areas: affordability to address higher inflation, public health/dental care and the green economy.

Are We Nearing the End of the Rate Cycle?

September 11, 2023

Talk of interest rate increases has seemed unending: we are living through one of the most aggressive tightening cycles in 40 years.

Looking Beyond Today

June 28, 2023

It has been said that change is the only constant, and the investing world is no exception. For more than a year, we’ve seen the effects of a rapid change in inflation and interest rates on the financial markets.

Fixed Income: Where to From Here?

June 12, 2023

After a difficult year in 2022, some investors have been asking: what lies ahead for the fixed-income market?

Portfolio Withdrawals: Why Sequencing of Returns Matters

April 20, 2023

The sequence of returns — the order in which markets rise and fall and the associated returns — can make a difference when it comes to a retirement withdrawal strategy.

Rising Rates and the Dilemma of Duration

April 3, 2023

For investors, the prevailing interest rate is like gravity. A constant and fundamental force on all things in capital markets. Understanding the basics of PV and the yield curve will help us be more educated investors.

Inflation … What Does it Mean?

July 21, 2022

Filling up your gas tank in recent months is like seeing the bill for your toddler’s birthday party – “how much?” For a smooth family life, however, both must be paid.

The Worry of Recession? Reasons to Keep Perspective

August 8, 2022

With slowing global growth, persistently high inflation rates and as the central banks have taken a more aggressive position to combat inflation by raising interest rates faster than anticipated, the media has been preoccupied with evoking fear that a recession is imminent.

Inflation & Interest Rates: Has Inflation Peaked?

October 12, 2022

We are in one of the most aggressive tightening cycles in more than 40 years. Are higher rates helping to curb inflation?

Quintessence Wealth (Q Wealth) is a partnership that is registered as a portfolio manager, exempt market dealer and investment fund manager. The portfolio manager registration allows Q Wealth to provide investment advice to its clients. The exempt market dealer registration allows Q Wealth to engage in trading activity. These services are provided by Q Wealth through registered advising representatives and dealing representatives, respectively.

Q Wealth is a partnership that is owned by its partners, including Precision Wealth Management. As a client of Q Wealth, you may receive services from both Q Wealth and Precision Wealth Management. Note that individuals from Precision Wealth Management will only provide investment advice and trading advice if they are registered as advising representatives and dealing representatives of Q Wealth, and in providing such services, they will be doing so on behalf of Q Wealth only. Precision Wealth Management may however provide wealth management services such as financial planning, estate and retirement planning, insurance, group benefits and others.

Q Wealth Partners is a registered trade name of Quintessence Wealth, a registered as a Portfolio Manager in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, Saskatchewan and Yukon, an Investment Fund Manager in Newfoundland and Labrador, Ontario, and Quebec, an Exempt Market Dealer in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan, and a Commodity Trading Manager in Ontario. The Ontario Securities Commission (OSC) is the principal regulator for Quintessence Wealth. Please visit www.qwealth.com for more information.

General Economy

A New Age of Uncertainty

During Uncertain Times: The Value of Diversification

The Evolving Trade Tariff Situation: Is a Recession on the Horizon?

Equity Market Gains: Perspectives on Concentration & Valuations

The Largest Wealth Transfer in History is Here

Delayed Landings

U.S. Election Fever: Investing Perspectives

Oh, Canada! We’ve Got a Productivity Problem

2024 U.S. Election and The Potential Impact on Our Portfolios

Why Have Central Banks Been Slow to Cut Rates?

Spring Recap: Budget 2024 — Five Things Investors Should Know

Women & Wealth: Navigating Shared Circumstances

Is Your Day-to-Day Living Impaired? The DTC May Offer Support

Canada & U.S. Economic Divergence: The Case for Diversification

Growth Will Persist

CPP/QPP Reforms: For 2024, Expect to Pay More

Looking Back, Looking Forward: Keeping Perspective

Lessons from Generational Resilience

Maximizing Your Wealth: How to Keep Your Assets Working Hard for You

Looking Forward: Growth Will Continue

Warren Buffett Speaks: His “Secret Sauce” & More...

Budget 2023 Recap...& The Canada Revenue Agency is Watching

Are We Nearing the End of the Rate Cycle?

Looking Beyond Today

Fixed Income: Where to From Here?

Portfolio Withdrawals: Why Sequencing of Returns Matters

Rising Rates and the Dilemma of Duration

Inflation … What Does it Mean?

The Worry of Recession? Reasons to Keep Perspective

Inflation & Interest Rates: Has Inflation Peaked?

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Budget 2023 Recap...& The Canada Revenue Agency is Watching 