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Insights

Knocking Over the Pop Machine Thumbnail

Knocking Over the Pop Machine

One of the best parts about accepting that the market is mostly efficient and investing accordingly is it allows you to have a much better overall investment experience. If you own a super-diversified, low-cost portfolio of index funds/ETF's you don't need to sit up at night wondering if you are in the right stocks, or if you should sell and get out of the market because you are worried about the next negative economic event. You can embrace the fact that the markets will rise and fall, that you "own the haystack", and that you have aligned your portfolio properly with your goals.

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What can I do with RESP funds if my child doesn’t use them? Thumbnail

What can I do with RESP funds if my child doesn’t use them?

Registered Education Savings Plans (RESP’s) are a very popular and useful way to help a loved one pay for their post-secondary education. In many cases the beneficiary of the RESP, a child or close family member, graduates high school and uses the funds in pursuit of a college diploma or a university degree. But sometimes, life changes and the beneficiary of that RESP account no longer needs the money for their education. This situation leaves the RESP holders wondering - what else they can we do with this RESP account? In this post, I offer some alternatives for families that are faced with this question.

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Buy and Hold....For Retirees? Thumbnail

Buy and Hold....For Retirees?

In this video, I challenge the assumption that retirees should avoid all volatility in their retirement portfolios. I look at a retiree who began retirement in 2008 with a 60% stock / 40% bond portfolio, and compared their withdrawal experience with another retiree who held only cash or short term fixed income estimates.

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Is Now a Good Time to Invest? Thumbnail

Is Now a Good Time to Invest?

Investors worry about deploying capital into the market at all time highs. They also worry about deploying capital into the market after a correction. But, what does history tell us about market returns in each of these scenarios?

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Waiting for the Dust to Settle Thumbnail

Waiting for the Dust to Settle

"Should I simply get out of the market and wait for the dust to settle?" This is a question that many investors have asked themselves so far in 2022. They may even have acted on it. While getting out of the market may feel satisfying for a short period of time; historically speaking, it has been a bad way to manage your investments during downturns.

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Rebalancing:  A Behavioural Boost in Volatile Markets Thumbnail

Rebalancing: A Behavioural Boost in Volatile Markets

Our default emotional setting in volatile markets is to "do something". We want to avoid danger, or possibly take excessive risks in order to make back our temporary losses in a short period of time. Most of the time, the ideal strategy is to simply do nothing. But, there is one thing that you can do which allows you to reverse your default emotional settings and do something helpful for your portfolio - that is to rebalance.

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