Category Archive for: ‘Investments’

Keeping Perspective – The August 2015 Correction or beginning of a Bear?

Ken Stern, Aligned Capital PartnersNo Panic, No Sell.  No Sell, No Lose!With the summer doldrums and lots of people being away on holidays, we’re in the right frame of mind to deal with an event that seems a lot worse than it is. Since the 2008 stock market crash, share prices have been up in five of six years (2011 …

Read More

Know the Facts about dividends. They can be toxic when calculating OAS Clawback

Ken Stern, Aligned Capital Partners. This article was written by Wilmot George of CI Mutual Funds   As Canada’s baby boomers settle into retirement, many are being caught off guard by their complex financial situations. Getting the most out of Old Age Security (OAS), which for 2015 pays a maximum of $6,780, is a key challenge their advisors need to …

Read More

The Incredible Shrinking Rate of Return

Thane Stenner

Ken Stern, Aligned Capital Partners Rates of return going forward won’t resemble those you’ve gotten used to in the past. Investors can find plenty of advice about how to make retirement money last. Some financial planners tout the 4-per-cent rule, where you withdraw no more than 4 per cent each year from your nest egg. Others recommend working a few …

Read More

How much are you paying for investments & advice? New rules tell you exactly how much.

Gi Carrickadvisor07rb1

Ken Stern, Aligned Capital Partners Now that the cost of do-it-yourself investing has been pounded almost into the ground, we need to do something about people who have advisers. A DIY investor can build a simple but effective portfolio of exchange-traded funds with commission costs of $10 down to nothing per transaction, and only a tiny cost of ownership. In …

Read More

The stock market problem: Too much up; not enough down. Corrections are part of investing.

Ken Stern, Aligned Capital Partners Too much up, and not enough down. That’s the problem with the stock market today, believe it or not. Investing pros are worried that after a five-year surge to new highs, the stock markets are going to fall. They will fall, and it will be ugly. Expect screaming headlines and big play on TV newscasts. …

Read More

The Perfect Investment portfolio? No one knows what will happen next so it’s prepared for all environments, but committed to none.

MW CH862 Perfec 20140611164052 MG

Ken Stern, Aligned Capital Partners Like most people who write about finance, I have a problem. My job makes it effectively impossible for me to manage my own investment portfolio. When I first became a full-time investment writer back in 2007, I had to sell all my stock … in Diageo (I don’t even want to think about how much …

Read More

A portfolio is like a bar of soap. The more you touch it the smaller it gets.

Worried

Ken Stern, Aligned Capital Partners Set up a long-term investment plan and stick to it. It’s easy to say and difficult to do. What makes it so hard are the inevitable market extremes, which range from “I can retire today” euphoria to “I hate the stock market” depression. At both ends of the spectrum, it’s hard to see how your …

Read More

Buy Low/Sell high is the secret to successful investing. Buy High – Sell Low? That’s backwards but most have a hard time keeping this discipline.

Ken Stern, Aligned Capital Partners If you think about it, Buy Low, Sell High is the secret to investing.  Logically, it’s tough for anyone to refute that statement.  So why is it so hard to do?  It’s simply because psychology gets in the way.  I’ve said many times that when it comes to money, psychology is more powerful than logic. …

Read More