Blog | BYOFA

Time To Rethink Fixed Income

Rebalance Again!

Rebalance!

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Time To Rethink Fixed Income

There is nowhere to hide in fixed income. It's time to consider real return bonds and RRB ETFs.

Rebalance Again!

I posted the Rebalance! article in the evening of March 17, 2020. If you rebalanced out of fixed income into equity to get asset allocat...

Rebalance!

The U.S., Canadian, and Rest of World equity markets are down around 30% in less than a month. This is a quick and violent decline. Qui...

Pet Peeve Article. The Ontario Teachers Strike & E-Learning

The Fiscal Environment It was obvious that the teacher’s union position was never going to reconcile with the government’s position. Thi...

The Ultimate Equity Market Is The Global Equity Market

We look at the FTSE Global All Cap index and the Vanguard World Stock ETF. The goal of the Vanguard World Stock ETF is to track the perf...

Financial Planning - What You Need To Know To BYOFA

The list isn't long.

RRSP versus TFSA. The RRSP Wins!

The RRSP account is underappreciated these days. If savings are earmarked for retirement, it is highly likely that the RRSP account is th...

Proof That Active Investors Must Average The Market Return Pre-Cost

Simple arithmetic proves that the group of active participants must average the market return over any time period measured.

High Investment Fees Hurt

The article states that asset allocation funds and equity funds offered to Canadian investors charge on average close to two full percent...

Year End 2018 SPIVA Results Are In!

Have a look at the long-term 2018 SPIVA (Standard & Poor's Index vs. Active) here. I highlight the longest spanning data. The data is d...

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