Category: Insight

Artificial Intelligence (AI) and Investing: How Can it Help You?

Artificial intelligence (AI) as a field of study has roots stretching back to the mid-20th century with the term being coined in 1956. Over the past decade, however, there has been a shift from AI being primarily a speculative realm occupying the minds of academics to companies in all different industries harnessing the power of

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Mutual Funds Continue to Underperform Their Benchmarks – A Canadian Case Study

A significant portion of the wealth of Canadians is invested by active money managers. Active money managers, or what some call “stock pickers”, believe that their research, analytical skills, and experience allow them to pick investments that over time achieve returns that exceed the market benchmarks. Money managers who take a more passive approach are

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5 Gold ETFs for Canadians

  Exchange-traded funds (ETFs) provide an easy way to invest in gold and Canadians have several options for exposure to this precious metal. Here are 5 of the most popular Canadian gold ETFs along with a brief overview of each.   Horizons Gold ETF Symbol: HUG Investment Objective: “Horizons HUG seeks investment results, before fees,

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4 Things to Consider Before Purchasing an ETF

New exchange-traded funds (ETFs) are being issued every month and this provides investors with a myriad of options for exposure to equity, commodity and bond markets. But not all ETFs are equal. Even those that track the same market can differ in meaningful ways. In this article we will explore 4 things that an investor

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Tax-Free Savings Accounts vs. Registered Retirement Savings Plans

Tax-Free Savings Accounts (TFSAs) and Registered Retirement Savings Plans (RRSPs) are savings vehicles that offer tax advantages for Canadians. They have many similarities, as well as a few differences, but the differences are what we want to focus on here. Need to update your financial plan? Contact us for a complimentary analysis. RRSPs are considered

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When Should You Take Your CPP?

What if I told you there was an easy way you could earn nearly 50% more money? You’d probably think there was a catch. Usually, with offers like this, there are. But not this time. You can start receiving your Canadian Pension Plan (CPP) benefits at age 60 if you’re willing to receive 36% less.

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Top 5 Equity ETFs to Consider for Your RRSP Contribution

Retail savers have until March 1, 2017 to contribute to their Registered Retirement Savings Plan (RRSP). This year, the contribution limit increased to $25,370 from $24,930, but the 18% threshold remained the same. Essentially, this means you can invest 18% of your taxable income or up to $24,930, whichever is lower, and deducting your income by

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Top 10 Things to Look For When Considering an ETF

For an investor, selecting the right ETF could be a daunting task given the multitude of products available on Canadian exchanges. Before making in-depth investment analysis, wise investors should narrow down their options by eliminating securities that do not meet certain self-imposed standards regarding features such as liquidity, cost and performance. Here are ten things

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Top 5 Canadian Fixed Income ETFs to Consider in a Rising Rate Environment

Top 5 Canadian Fixed Income ETFs to Consider in a Rising Rate Environment The divergent interest rate path between Canada and the U.S. has accelerated when Donald Trump was elected President south of the border. The Federal Reserve and the market participants broadly agree that interest rates will continue to rise, with the former recently

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Federal Reserve and Monetary Policy: What Do Rising U.S. Interest Rates Mean for Canada?

For the first time since 2007, Canada has a lower interest rate than its neighbour to the south, further highlighting the divergent paths of each country eight years after the financial crisis. For Canadian businesses, investors and consumers, the impact of higher U.S. interest rates won’t be felt immediately, but will become more acute as the

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