January 11, 2020

The RRSP account is underappreciated these days.

If savings are earmarked for retirement, it is highly likely that the RRSP account is the best option. 

We have the proof!    The entire spreadsheet.

Let us know what you think.

September 3, 2019

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 damning for those who invest in active management through a financial advisor.

The only way to slash your cost factor is to BYOFA...

May 24, 2019

There is new product from Vanguard Canada that is worthy of inspection.  The products are Asset Allocation funds and can be found here.  Each product is a full portfolio with equity and safety diversification and ample diversification within each asset class.

Let’s look...

April 14, 2019

The Canadian Securities Administrators have proposed a ban on the DSC sales option of mutual funds.    The Ontario government announced it didn’t support the proposal.  I agree with the Ontario government. 

DSC charges are not the problem. 

The high...

November 20, 2018

The mid-year 2018 SPIVA report on Canada is available.  It paints a damaging picture for active managers.

Active investment management attempts to outperform the market return through superior research, analysis and tactics.  Passive managers attempt to replicate the re...

November 17, 2018

GICs have a place in any portfolio, especially RRSP and derivative accounts and TFSAs.  If they fit in your portfolio it is essential that you get the highest interest rate.  This can be certain through an online brokerage account.  First, let’s talk about the interest...

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