- the source for market opinions


December 5, 2017 | Investing Your ‘Serious’ and ‘Speculative’ Money Buckets

Situation: People become excited at the prospects of investing to beat the markets. My View: “Serious” investing is dull and boring; “speculative” appeals and fascinates. Solution: Pursue an approach for both your long term and immediate excitement. “It is possible to own too much. A man with one watch knows what time it is; a […]

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 […]

October 31, 2017 | Pressure to Perform, Quarter After Quarter

 “If a business does well, the stock eventually follows.” —Warren Buffett Investors are in the midst of sifting through quarterly earnings and future guidance reports. Accordingly, let’s revisit one common task of reporting companies. That is, the constant need to deliver at least expected results, if not better-than-expected results. Quarter, after quarter, after quarter! Analyst […]

October 24, 2017 | Two Market Crashes, Two Different Outcomes

Situation: You worry about the lasting effects of a severe market crash. My View: Worrying constantly does not contribute to smoother investing. Solution: Design and follow your long-term asset mix that manages risks.  “October. This is one of the peculiarly dangerous months to speculate in stocks in. The other are July, January, September, April, November, […]

October 10, 2017 | Do Your Investments have Total Fit and Purpose?

Situation: Your investments lack fit and purpose with personal goals. My View: Investments with clear fit and purpose deliver best. Solution: Seven simple steps help untangle your investing muddle. Great minds have purposes, others have wishes. —Washington Irving (1783–1859), American writer Investors typically save for decades to reach their goals. Then they spend part or […]

October 3, 2017 | Do It Yourself or Hire a Portfolio Manager?

Situation: Investors grapple with self-management versus hiring the portfolio manager. My View: Self-managing the family portfolio is best viewed and treated as a full time job. Solution: Be sensible and realistic of all requirements to self-manage your family portfolio. “My advice to investors who cannot give full time to a study of investments is to […]

September 26, 2017 | How 3 Best Practices Ramp Up Success

Situation: Too many struggle with achieving wealth management successes. My View: Delving into best practices that have worked overcomes dilemmas. Solution: Mindset, broad diversity and cutting losses are three best practices.  “Success is often just an idea away.” —Frank Tyger (1929–2011) cartoonist, columnist, humourist Many investors wrestle with the perception that wealth management success is […]

September 19, 2017 | My RRIF Playbook: What You Need to Know in 2017

  Situation: Investors desire to successfully convert RRSPs to RRIFs. My View: Focus attention on strategies important to your family. Solution: Understand RRSP conversion processes and apply them.  “Retirement at sixty-five is ridiculous. When I was sixty-five I still had pimples.” —George Burns (1896–1996) Comedian, actor, singer and writer There are three retirement accounts everyone […]

September 12, 2017 | Two notable books guide your ‘Investing’ for the long run

Situation: Investors wonder what it takes to achieve long-term investment success. My View: Pay attention to the scope of what investing has to contribute over decades. Solution: My two book suggestions detail the recipes and ingredients necessary for success. “Books are the bees which carry the quickening pollen from one to another mind.” — James Russell […]

September 5, 2017 | Two Notable Books Guide Your ‘Retirement’ Journey

Situation: Investors often wonder what it takes to achieve a successful retirement. My View: Turn your attention to the big picture of what has to be accomplished. Solution: My short list of two books delivers the required knowledge and understanding. “Books are the bees which carry the quickening pollen from one to another mind.” — James […]

August 22, 2017 | Markets Resemble a Box of Chocolates

  Situation: Life is full of surprises; stock & bond markets too are full of surprises. My View: Take some profits as prices rise and slowly buy quality as prices retreat. Solution: Don’t allow volatility to scare you off the simple game plan that works so well.  “My momma always said life was like a […]

August 8, 2017 | Top 10 Signs Investment Professionals Have Personal Touches

Situation: Investors may wonder what makes a valued adviser stand out. My View: Turn your attention to the professional adviser’s personal touches. Solution: Review my list of 10 personal touches likely to be encountered. Have you ever wondered how to spot a valued wealth adviser? I suggest the proof is in the professional’s personal touches […]

July 25, 2017 | Think and Invest “Pension Style”

  Situation Many seek improved and more sensible ways to invest the nest egg.  My View Investors can reap lasting benefits of the “pension style” approach.  Solution Adopt “pension style” thinking and investing practices for long-term portfolios. “Well done is better than well said.” —Benjamin Franklin Investors are often on the lookout for improved and more […]

July 11, 2017 | Explore Your Sabbatical Cravings

“Life is a great big canvas, and you should throw all the paint on it you can.” — Danny Kaye (1913–1987), actor, singer, dancer Mention ‘sabbatical’ and be prepared for an instant audience ready to listen to every word. We are often reminded to pursue more personal enjoyment activities during our lifetime. Well, here is […]

July 4, 2017 | Two Free Lunches: Diversify and Re-Balance

“Excellence is not a skill. It is an attitude.” —Ralph Marston Diversification and re-balancing strategies are two essential, time-tested portfolio tools. They improve your chances of achieving better consistency of long-term returns. Tasty free lunches are still being served in your investing patch. Diversification spreads your risks among a variety of investments. Re-balancing makes periodic […]

June 29, 2017 | Markets: Triple Digit Jitters Are Back

Stock markets are once again feeling the wrath of triple digit jitters. The pipeline is suddenly brimming with risk worries. For now, a healthy selloff bites investors. Most want to shift to more defensive positions. The fracas may not be finished. However, triple digit haircuts are to be expected. They are part of the longer […]

June 27, 2017 | Receiving Inheritances, Gifts, Estate Freezes…

“We should all be concerned about the future because we will have to spend the rest of our lives there.” — Charles F. Kettering (1876–1958), American inventor Will a lifetime of work help the next generation’s financial security? Let’s imagine. Boomers and younger generations often receive cash and other financial assets from several sources. Three […]

June 20, 2017 | Investing Tips for the Road Less Travelled

Behold the turtle. He makes progress only when he sticks his neck out” — James Bryant Conant (1893–1978), American chemist I’m certain that, like the turtle, investors are also sticking their necks out periodically. The happy news is that some of the risks present opportunities for the strong willed. Those same investors would agree that […]

June 13, 2017 | Suffering from Investing Bias?

Situation Nobody is immune from the adverse ramifications of investing bias. Symptom Left unchecked, bias can inflict long-lasting portfolio implications, such as lower returns. Solution Recognize your biased patterns and muster up willpower to change. Summary Investors are asked to replace emotional attachments with rational decisions. “The art of being wise is the art of […]

June 12, 2017 | Powerball Lottery Fever

A few people have been very fortunate to win large sums from past lotteries, becoming “high net worth” individuals literally overnight. One or more will join the new ranks when the current Powerball lottery uncovers the winning tickets. The magnitude of the sudden wealth is overpowering. Lives will change instantaneously. Winners have to mastermind some […]

June 6, 2017 | Drain Your Swamp of Information Overload

  Situation Too many investors are drowning in investment information overload. Symptom Investors face over 75 new data releases in the month of June, just for the US. Solution Learn ways to ignore the deluge of latest facts, figures, research and conflicted advice. Summary Savvy investors are simply astonished at how much information they don’t […]

May 31, 2017 | Plan Your Retirement Lifestyle ‘Bucket List’

I write often about financial strategies that help deliver successful retirements. The biggest concern for retirement is still whether the tidy nest egg will outlast the family. Let’s set aside the money matters for now and turn all attention to planning key ‘lifestyle’ activities. Those suitable for your retirement happiness and well being. Heaps of […]

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