Active investing is where managers buy and sell investments and their two main benchmarks are whether they can outperform other managers and whether they can outperform the appropriate index. Despite the great effort from active managers, there is a continued debate about whether active investing can actually beat passive investing. The long-term impact of fees…
Interest rates have played a big role in changing the retirement landscape. I’ve always said, the best time to retire was back in 1981 when interest rates were at the peak. If you retired back then, you could take all of the money you saved and plunk it into a good old-fashioned GIC and earn…
This is a guest post from Cleo Hamel, Senior Tax Analyst for H&R Block Canada With the economy still uncertain, investing in the current market conditions can be challenging. And nothing is more discouraging than picking a winning investment only to be hit by a big tax bill. But there are investments that can be…
I see too many people neglect their investment portfolios for too long. The investment industry has preached the merits of buy and hold for a long time but people must know that buy and hold does not mean ignore. Sometime people go to great lengths to set up an investment plan either with the help…
Tom and Marilyn, have 18 different investments in two RRSP portfolios. Most people would think that with 18 investments, you must be diversified but are they diversified properly? When I ran a correlation analysis, 15 of the funds were highly correlated and only 3 of the funds were not correlated. Not surprisingly, they were funds…
Psychology plays a big role when it comes to money and especially investing. Most of us know we are supposed to BUY LOW, SELL HIGH to make money so why is it that over and over again people do the opposite. When things go down, they panic and want to sell or want to make…
