Why Bonds Still Matter: The Boring Investment Vehicle That Still Packs a Punch

Why Bonds Still Matter: The Boring Investment Vehicle That Still Packs a Punch When markets get rocky, bonds become the grown-up in the room. They don’t soar like tech stocks in a bull run, but they offer something just as valuable— stability. In 2022 and early 2023, when inflation ran wild and both stocks and […]

Stay the Course: Why Smart Investors Don’t Panic

Stay the Course: Why Smart Investors Don’t Panic There’s a reason Warren Buffett’s advice has stood the test of time: “Be fearful when others are greedy, and greedy when others are fearful.” Sounds bold. But behind the bravado is a powerful truth about investor psychology— and how most people mess it up. Markets go up. […]

The Case Against Stock Picking

The Case Against Stock Picking: Why Most Investors Are Better Off with Broad Market ETFs For many investors, the allure of stock picking is hard to resist. It’s exciting. It feels personal. You get to tell people you bought Tesla early or timed your Netflix sale perfectly. But here’s the reality: for the vast majority […]

The Power of Dollar-Cost Averaging

The Power of Dollar-Cost Averaging: Investing Gradually to Manage Risk and Maximize Returns Investing can feel intimidating, especially when markets are volatile. One way to ease into the market while reducing risk is Dollar-Cost Averaging (DCA)—a strategy where you invest gradually over time rather than all at once. DCA helps take advantage of market fluctuations […]

The Case Against Cryptocurrency

The Case Against Cryptocurrency: Why a Gold ETF is the Smarter Choice Cryptocurrency has been marketed as the future of finance, promising sky-high returns and financial freedom. However, experienced investors like Warren Buffett and Charlie Munger have long warned against its speculative nature. Buffett famously said: “Cryptocurrencies basically have no value and they don’t produce […]

Smart Money Moves for Young Families

Raising a family is rewarding—but it’s also expensive. Between saving for your children’s education, buying a home, and planning for the future, it can feel like there’s never enough money to go around. But with the right strategies, young families can build a strong financial foundation while still enjoying life today. 1. Build Your Emergency […]

Cutting Investment Fees

Cutting Investment Fees (And Not Performance!) The Case for Passive Index Investing Investing is one of the most powerful ways to grow wealth, but many investors don’t realize how much high fees can eat into their returns over time. The good news? You don’t need to pay high management fees to achieve great investment performance. […]

Is a Canada First Indexed Portfolio Realistic? Pros and Cons of a Nationalistic Portfolio

Investing with a focus on Canadian assets is a strategy some investors consider to leverage familiarity with domestic markets and potential tax advantages. This approach involves allocating a significant portion of one’s portfolio to Canadian equities, often through broad market Exchange-Traded Funds (ETFs). Reasons to Consider a Canada-Focused Portfolio Popular Canadian Broad Market ETFs For […]

Will Tariffs Sabotage My Investments?

The recent announcement by President Donald Trump to impose a 25% tariff on imports from Canada and Mexico, along with a 10% tariff on Chinese goods, has raised concerns among investors about the potential impact on their portfolios. These tariffs are part of a strategy to address issues such as trade imbalances, immigration, and drug […]

Navigating the RESP: How to Better Save for Your Children’s Education

Saving for your child’s post-secondary education is a significant financial goal for many Canadian families. A Registered Education Savings Plan (RESP) is a powerful tool designed to help you achieve this objective. In this article, we’ll explore what an RESP is, how it functions, tax-efficient investment strategies within the account, and the rules for withdrawing […]