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May 7, 2019 | Market Fears Bubbling Once More

Market fears are bubbling once more. Market direction remains anyone’s guess. Today’s closing results slipped near -470 points for the Dow; -48 points for the S&P500. Headlines remain conflicted. World trade concerns and interest rates lead the wall of worry. Investors keep wondering about economic sustainability. Managing risks continues as top priority. Adopt my 4-point […]

January 24, 2019 | My 2019 RRSP Playbook

This time of year I propose that you focus on “Strategies 360°”. That is, your big picture. For example, review what is best for your family. Follow your total investment plan. It’s too easy to become preoccupied with RRSPs.

December 23, 2018 | “What to Do with the Pesky Markets in 2019”

Lately, the pesky stock and bond markets have caused much grief and consternation. Just the talk of corrections and bear markets sends piercing shivers through spines of investors. Those same markets may not be done yet.

November 23, 2018 | Goldman Sachs Going Down on the Pi Target?

The Abu Dhabi sovereign wealth fund sued Goldman Sachs on the Pi Target, Wednesday, November 21st, 2018,  for allegedly conspiring against the Middle Eastern fund to further a criminal scheme by Malaysia’s scandal-plagued 1MDB. The suit, filed in a New York court on behalf of Abu Dhabi’s International Petroleum Investment Company (IPIC), names Goldman Sachs […]

October 12, 2018 | Market Fears are Bubbling

Market fears are bubbling once again. Market direction remains foggy. Many headlines are conflicting. Investors keep wondering about economic sustainability. The long-term looks optimistic; the short-term is anyone’s guess. Managing risks continues as top priority, regardless of market behaviour. My 4-point investing mantra for the long run: 1). Make fears your friend. 2). Keep things […]

June 19, 2018 | Would You Accept Portfolio Advice from William Shakespeare?

Situation: Investors believe that portfolio strategy is a modern creation. My Take: Historical accounts of yesteryear paint different viewpoints. Solution: Wonder back a few centuries to appreciate theories of today. “In giving advice seek to help, not to please, your friend.” ― Solon, (638 BC–559 BC), Greek lawgiver & politician You are probably wondering what […]

June 8, 2018 | Disciplined Processes Manage Your Family Wealth

  Situation: We are accustomed to learning, working, saving, spending and investing. My View: Pause a few moments to appreciate the disciplines that guide your goals. Solution: Adopt a core of disciplined processes to manage long-term family wealth. “The key to success is often the ability to adapt.” ―Anthony Brandt Over our lifetime, we embark […]

June 5, 2018 | Disciplined Processes Manage Your Family Wealth

Situation: We are accustomed to learning, working, saving, spending and investing. My View: Pause a few moments to appreciate the disciplines that guide your goals. Solution: Adopt a core of disciplined processes to manage long-term family wealth. “The key to success is often the ability to adapt.” ―Anthony Brandt Over our lifetime, we embark on […]

May 29, 2018 | Poking Fun at Investing Clichés

Situation: Practically everyone has heard of investing clichés. My View: Learn to recognize those clichés applicable to you. Solution: Mastering true meanings of clichés improves your lot. “You sell when people are greedy and buy when people are fearful.”—Warren Buffett Do you ever wonder what the gurus are really saying when they speak in clichés? […]

May 19, 2018 | Early Lesson Sticks Around for the Long Haul

“Attitude is a little thing that makes a big difference.” — Winston Churchill Everyone makes investing bloopers at some point. Perhaps, on a recurring frequency. In particular, when you’re under age 30 and infallible. You just know that you are right. A few words about my under-30 development. My short story is that I identified […]

May 18, 2018 | Is it Wise to Sell in May and Go Away?

“Sometimes it’s necessary to go a long distance out of the way in order to come back a short distance correctly.” — Edward Albee (1928–2016), American playwright Investing plans that pursue flavours of “sell in May and go away” are not vanishing anytime soon. Simply said, the catchy tune is about to ignite the annual […]

April 18, 2018 | Are You Concerned About Retirement?

Situation: Families are becoming increasingly concerned about retirement. My View: Examine implications of the new realities swiftly and decidedly. Solution: Find simple ways to migrate to a revised and realistic game plan. “Retirement: World’s longest coffee break.” —Author Unknown Families are becoming increasingly concerned about achieving and maintaining their long term retirement goals. Some retirements […]

April 10, 2018 | Investing Amid Daily Market Noise

Situation: Too many investors embrace having stockpiles of information. My View: Recognize that having information does not make you a better investor. Solution: Find ways to reduce or jettison the heaps of noise that gets in your way. “Don’t miss the donut by looking through the hole.” — Author Unknown Many investors prefer access to […]

April 4, 2018 | How Short is Your Long-Term Perspective?

“Our favorite holding period is forever.” — Warren Buffet, the Oracle of Omaha The first quarter 2018 will be remembered for tenacious and persistent turbulence. Along with plenty of bouts of sudden uncertainty. Investors are still feeling its far reaching effects. However, I fear they may be too happy for this chapter to take its […]

March 22, 2018 | Revitalize Your Investing Garden

Situation: Your nest egg can become an unwieldy mess to manage over time. My View: Understand what needs done to breathe new life into your portfolio. Solution: Revitalize your “investment” garden as you do the “outdoor” garden. “I love spring anywhere, but if I could choose I would always greet it in a garden.” –Ruth […]

March 13, 2018 | Perspective on Buying Stocks

  Situation: Many are petrified when it’s time to buy a stock. My View: Revisit the valid reasons to buy without regrets. Solution: Apply buying strategy uniformly to the portfolio. “I paint objects as I think them, not as I see them.” –Pablo Picasso It is relatively easy to buy stocks, whether you’re a novice […]

March 6, 2018 | Lending to Spouse at 1% Rate ‘Best Before’ April 1

Situation: Families have reduced access to income spitting opportunities. My View: Prescribed rate loans can play a role for families who have cash. Solution: Time is of the essence to implement this simple lending practice. “Never spend your money before you have it.” —Thomas Jefferson I can’t emphasize enough that time is truly of the […]

March 1, 2018 | Regain Portfolio Control Amid Market Mayhem

Situation: Recent market mayhem has spooked many investors. My View: Stock and bond markets cannot be managed by investors. Solution: Taking charge of market interactions regains portfolio control. “To conquer fear is the beginning of wisdom.” —Bertrand Russell (1872–1970), British philosopher Investors have been enjoying the fruits of rising markets. A nine-year upside since the […]

November 28, 2017 | How to Prepare for Market Corrections and Advances

“Motivation is what gets you started. Habit is what keeps you going.” —Jim Ryun, Olympic runner We’re working our way through the fourth quarter 2017. Many stock indices have been hovering near their tops and often keep making new highs. Daily headlines are typically a mixed bag of fears and optimism. They are often interpreted as […]

November 21, 2017 | Put the Fancy Money Jargon on Ice

“The shell must break before the bird can fly.” —Alfred Tennyson (1809–1892) Poet Laureate of Great Britain and Ireland Do you often find yourself wondering what a money guru just said? You are not alone. Yes, there are far too many fancy buzzwords in our financial vocabulary. It’s time to break a shell. Listening to money […]

November 14, 2017 | The Power of Classic, Common Sense Investing

“History is a vast early warning system.” — Norman Cousins, (1915–1990) American essayist, publisher Investors can be excused for thinking that the concept of portfolio management is a modern day creation. After all, it is commonly referred to as Modern Portfolio Theory (MPT). In addition, the Nobel prize in Economics has been handed out. Today’s professionals […]

November 7, 2017 | Prioritize Seven Smart Money Moves

‘It is better to know some of the questions than all of the answers.” —James Thurber (1894–1961) cartoonist, humourist, playwright Investors know that not all components of their finances are created equal. Some areas definitely deliver more impact over the long run. Questions always arise as to which ones are best to consider closely. I’ve […]

December 7, 2015 | Is Your investment Personality Distinctly Comfortable?

One of the significant guidelines that I use in designing investment portfolios is the client’s investment personality. Let’s understand those personalities, also known as investor profiles, by summarizing the six I have adopted. 1.. Preservation These are investors with virtually no tolerance for unpredictability in annual returns. They generally invest in guaranteed interest vehicles, which […]



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