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Interpretation of Recent Markets

Interpretation of Recent Markets

Coronavirus, Canadian delinquencies, CP rail disruptions, Canadian job numbers and the recently proposed changes to the mortgage stress test. This is on the economic backdrop of extremely high consumer debt, high corporate debt on the negative side and low housing...

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Monthly January 2020

Monthly January 2020

With 2019 behind us I wanted to point out the difference in performance of the Canadian TSX and US markets S&P 500. This talks about the importance of having a purpose behind investing and while not all years will work out in the desired way, it proposes that...

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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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