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Monthly December 2019

Monthly December 2019

December and January market info seemed to be more news driven than data driven.  Overall perspective is weakness in Canada and strength in the US. This can be seen in the comparative returns between the US S&P 500 (up 28.9% in 2019 not including dividends) versus...

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Where I’m Investing in 2020

Where I’m Investing in 2020

As the new year is around the corner, I thought it would be helpful to talk about where I'm investing in 2020 and how I'm positioning my clients' portfolios. I thought it would be helpful to give: Two examples of investments Economic rationale Examining individual...

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Monthly November 2019

Monthly November 2019

The markets can be interesting with the Canadian TSX and US S&P500 both up around 3.4% in October, the US index was up 25.3% and the Canadian index was up 18.97% for the year until Nov. 30,2019 not including dividends. It is important to look both at the short and...

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Monthly October 2019

Monthly October 2019

Halloween finished up and I can't help but wonder if Trump and China are both putting on masks to have better rhetoric but lack substance and follow through. With the election coming up I also wonder if Trump will look for a deal that lacks the follow through of his...

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Return Expectations

Return Expectations

Let's start this conversation with as of October 17, 2019 that US and Canadian central bank interest rates are below 2%.  This is known as the risk free rate. Premiums are built on top of this. Liquidity, credit risk, volatility in revenue, tenure, experience, time,...

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The Monthly: September

The Monthly: September

When it comes to wealth management, it is more than just delivering products and providing good service. It is about understanding someone's entire situation and putting the pieces of the puzzle together. How does someone's life fit with their investments, life...

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When To Use a TFSA

When To Use a TFSA

Tax Free Savings Accounts, TFSA (not TSFA), are still a relatively new product. Many people are choosing to focus on their RRSP's when it comes to long term retirement planning. There are three essential factors that I believe to be important when considering to use a...

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The Monthly August 2019

The Monthly August 2019

US and Canadian markets were flat but intra-month there was a lot of movement and with different sectors there continues to be changes of leadership. This speaks to two things. One is the benefit of holding a diversified portfolio. Second is the benefit of using a...

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Negative Interest Rate Mortgages

Negative Interest Rate Mortgages

Host Trevor Dale talks about negative interest rate mortgages. It is well known that interest rates and consequently mortgage rates in Canada are historically low. If I had to guess five years ago where interest rates would have been today I would have guessed that...

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