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Quarterly Portfolio Review
Portfolio Review – 3Q2024
The Market In Q3 2024, global growth slowed further under the weight of previous interest rate hikes, however September brought some relief with the U.S. Federal Reserve cutting rates by an outsized 50bps, joining the Bank of Canada and other central banks as...
Portfolio Review – 2Q2024
The Market In Q2 2024, global stock markets experienced mixed results amid varied economic conditions across regions. The S&P 500 achieved a gain of 4.3% during the second quarter, largely driven by significant increases in the technology sector, particularly...
Portfolio Review – 1Q2024
The Market The first quarter of 2024 echoed the familiar optimism that marked the conclusion of 2023. Despite lingering concerns of sustained higher interest rates, there was a prevailing sentiment among capital market participants that these rates, though at...
Portfolio Review – 3Q2023
What’s New? The First Time Home Savings Account (FHSA) should be available to our clients at the beginning of December. More info on FHSAs here. An upside to higher interest rates are that High Interest Savings Accounts (HISAs) are now yielding rates of up to 5% and...
Portfolio Review – 2Q2023
The Market US markets pushed higher during the second quarter of 2023 on continued optimism that the end of the Fed’s aggressive rate-tightening cycle is nigh and a “soft landing” may still be possible. US equity gains were driven by the technology sector rally led...
Portfolio Review – 1Q2023
The Market Markets started the new year on an upbeat tone after a disappointing 2022. The optimism was cut short as fears of a policy rate overtightening and the collapse of three US tech-focused regional banks dragged risk appetite down and sent waves of volatility...
Perspectives from a Millennial
The First Time Home Savings Account (FHSA)
The First Time Home Savings Account Introduced in the 2022 Federal Budget, the First Time Home Savings Account (FHSA) is a registered plan that combines the best features of the TFSA and RRSP in helping Canadians save for their first home purchase. We hope to be able...
What You Should Know About the First-Time Home Buyer Incentive
First of all, there is no such thing as a free lunch! In March 2019, Canadian Federal Minister of Finance, Bill Morneau, presented the Liberal government’s federal budget for fiscal year 20201. While the budget considers many wide sweeping changes to various hot...
Investing in a Better Future
ESG Investing incorporates environmental, social, and governance (ESG) factors in the decision making process for what securities to include in a portfolio. There are several organizations such as MSCI and Sustainalytics who rate companies based on how they perform,...
4 Tips on How to Make the Most of your Tax Return
Well, football season is officially over. The New England Patriots, led by G.O.A.T. quarterback Tom Brady, clinched their sixth Super Bowl win against the Los Angeles Rams. In addition to the record-setting win by the Pats, it was also a record setting game in terms...
Staying the Course – Why Investing is a Game Against Yourself
In mid-December 2018 I was exchanging messages with a friend who runs his own self-directed investment account through a discount brokerage. Over the course of several years, his investment performance was, on paper, “doing fine”, corresponding to the systematic rally...
Time for a (Financial) Fitness Checkup?
Happy New Year! Christmas and the holidays have come and gone, leaving us with fond memories, full bellies, and hopefully a well-rested start to 2019. Top on the list of many people’s New Year’s resolutions is to get their fitness and health in check, but few fail to...
TFSA vs. RRSP: Battle of the Heavyweights
This post is a continuation of our last post "Time for a (Financial) Fitness Checkup?". You can read that here. In one corner we have the RRSP, Canada’s oldest registered savings product with years under its belt and countless supporters. In the other corner, we have...