As you may know more and more Canadians are gravitating toward low fee Exchange Traded Funds (ETFs). In fact they are now ‘out-selling’ or attracting more assets compared to traditional mutual funds. That’s good news of course as Canadians pay the highest mutual funds in the developed world. It’s likely not a surprise that those […]... Continue Reading →
Yes there can be an ongoing debate as to whether or not ‘dividends matter’. Certainly that’s a personal decision and if an investor makes the dividends matter, then well, they certainly DO matter because that is the investment style that the investor has embraced. If an investor chooses a dividend growth approach all things dividend […]... Continue Reading →
As warm and cuddly and comforting as are dividends, the subject or investment approach can lead to some lively debates. Many will write (or build podcasts on the subject) that dividends simply don’t matter. On that, here’s a measured response from Mike at The Dividend Guy blog. Please have a read of Should I Go […]... Continue Reading →
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.