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 […]
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 […]
What is a LIRA Account? And How Does it Work?
A Locked-In Retirement Account (LIRA) is a specialized Canadian investment account designed to hold pension funds transferred from a former employer’s pension plan, whether it’s a Defined Contribution or Defined Benefit plan. Unlike a Registered Retirement Savings Plan (RRSP), where contributions can be made at any time and funds can be withdrawn (subject to taxes), […]
Why Index Investing Works
Investing can often seem daunting, especially with the myriad of options available. However, one strategy has consistently proven effective for both novice and seasoned investors: index investing. By purchasing total market ETFs and one-fund solutions, you can gain exposure to a broad spectrum of global stocks, thereby minimizing risk and diversifying your portfolio. The Power […]
It Pays to Ignore Market Downturns
It Pays to Ignore Market Downturns Market downturns can be unsettling, but history has shown that they are not a reason to panic. In fact, for long-term investors, downturns can present valuable opportunities to strengthen a portfolio and maximize returns. Here’s why staying the course during market slumps can actually be good for your financial future. 1. Downturns Are […]
Why Time in the Market Matters
Why Time in the Market Matters Investing can feel like a rollercoaster, but history proves that staying in the market beats trying to time it. Long-term investing—particularly with index funds—has consistently outperformed actively managed strategies while keeping costs lower. Let’s break down why time in the market matters and how sticking to an index strategy […]
5 Things Young Investors Should Know
5 Things Young Investors Should Know Investing can be an exciting yet daunting journey, especially for young investors. The earlier you start, the more time your money has to grow, but navigating the financial world can be tricky. Here are five crucial things every young investor should know to set themselves up for long-term success. […]