Despite claims that Managed Mutual Funds will outperform Index Funds in a down market (TSX -8.8% in 2018), the vast majority still managed to underperform the market in 2018.
When I write ‘head south’ I am talking about the number 1 warm-up designation for Canadians and that is to the southern US. Many will go to Florida or course. Texas and Arizona are also very popular. I’d strongly suggest that you make your way to California as well, you many never see Florida again. […]... Continue Reading →
Welcome to the Ninth edition of this seminar exclusively for members of the Ottawa Branch of the National Association of Federal Retirees (NAFR).
Most Canadians go to their bank or a mutual fund sales office to access their investments. And most Canadians invest by way of those mutual funds that carry very high fees, in fact Canadians pay the highest fees in the developed world. That can eat into half of your investment returns over the decades. Fees […]... Continue Reading →
For retirees who are in the decumulation phase (ie spending phase) of investing, which is far more complex than the accumulation phase because of the need to generate income and minimize taxes, a Fee Based adviser may be the answer.
The Bucket Plan, an excellent how to book by Jason L. Smith describes a simple and effective system to allay the fears of retiree investors, by ensuring that they will have enough cash for their needs, and avoiding the need to sell investments when markets tank.
In February 2018 Vanguard Canada launched all-in-one complete Balanced Portfolios that you can purchase by entering one ticker symbol.
An annuity is a combination of life insurance and investment. Basically, the insurance company which sells you the annuity is betting that you will die before they have to pay you back all of the money that you invested.