Helping you make wiser investment decisions

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“Is my severance package fair?”

Q. I have been offered a severance package that I do not believe is fair. I have worked with this company for 17 years and was given about half of what I think my severance should be. There is a date that specifies when the severance option runs out if I don’t accept it. Can […]

Compare the Best Savings Accounts in Canada 2020

Best Savings Account Finder How to use the savings account calculator You can simply scan the savings account comparison table above to view interest rates offered by financial institutions across Canada. You can also input your estimated account balance and compare the growth between high-interest savings accounts (HISA), Tax-Free Savings Accounts (TFSA), Registered Retirement Savings […]

The Novelty of the Coronavirus: What it Means for Markets

Does market history offer any parallels to today’s novel coronavirus crisis? Market action in recent weeks has been reminiscent of the global financial crisis (GFC) of 2007–2009, the crash of 1987, and, for those with a long memory, the crash of 1929, which wouldn’t have been so disastrous if it had not been followed by […]

PC Financial Mastercard review | MoneySense

Photo created by freepik – www.freepik.com The PC Financial Mastercard is the no-fee, entry-level offering from PC Financial, designed to help collectors earn PC Optimum points, which can be redeemed for groceries or other items purchased at PC-affiliated stores, including Shoppers Drug Mart and Loblaws banner stores. This card pairs flexibility and ease with the […]

Evolving into an Eco-Friendly System: The Real ESG Challenge

Climate change and other environmental challenges moved to the center of global consciousness in 2019. In just one sign of the times, Time Magazine chose the teenage environmental activist Greta Thunberg as its Person of the Year. And across the world, people have grown more conscious of their environmental footprints and adapted their consumption habits accordingly, by recycling […]

Understanding the chatter around negative interest rates

UPDATED On Friday, March 13, 2020, the Bank of Canada cut the overnight rate by half a percentage point to 0.75%. It was a shocking move in a way, given that the BoC just cut rates by 0.5% a week earlier, but it’s clear that they think COVID-19 could be far more damaging to the […]

Book Review: Automating Finance | CFA Institute Enterprising Investor

Automating Finance: Infrastructures, Engineers, and the Making of Electronic Markets. 2019. Juan Pablo Pardo-Guerra. Cambridge University Press. For some time now, the idea that the stock market is rigged has taken hold among the general public, certain politicians, and even many professional investors. The debate that greeted Michael Lewis’s 2014 book Flash Boys, which focused […]

American Express Gold Rewards Card review

Photo by Connally Morris on Unsplash When you think of a card with well-rounded benefits and flexible points, easy ways to redeem for travel, a healthy welcome offer, and generous hotel and insurance perks, American Express is often top of mind. While still not as widely accepted as competitors bearing the Visa or Mastercard name, […]

Using life insurance to leave your kids an inheritance

Photo created by freepik – www.freepik.com Q. My wife and I are both 57 years old. I have a business in Ontario, from which I earn $260,000 a year, and my wife makes $40,000 at her job. We have maxed out our RRSP contributions and we will soon do the same with our TFSAs. We […]

Good vs. Bad Active Fund Management: Three Indicators

Do you ever wonder whether your active fund is worth the management and performance fees you charge? Would passive investments have yielded similar or better outcomes for your clients? If you haven’t asked yourself these questions, you can be sure your clients have asked themselves. And they will continue to, measuring what you deliver with […]

Lost wallet? Here’s how to protect yourself from fraud

You’re rushing out the door and you pat that familiar spot to confirm you’ve got your wallet, only to find…nothing. I don’t know about you, but after searching yesterday’s pockets, my mind goes to some dark places. First, the kitchen pantry. Maybe I put the granola bar in my purse and my wallet in the […]

Singapore REIT Fee Structures: Are Investor and Manager Interests Aligned?

Beyond dividend yield, what determines the quality of Singapore’s favorite asset class, real estate investment trusts (REITs)? We examined that question in a Singapore Business Times article in October. One consideration we highlighted: The benefits of portfolio diversification in reducing return volatility. We also stressed the need to put the presence of income support and […]