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  • The  term  risk  often  gets  thrown  around  in  the  investment  world.  But this  term  goes  far  beyond  market  volatility.  Here  are  five  types  of  risk  to  consider  and  you  put  together  a  portfolio:     Interest  rate  sensitivity  risk    As  bond  yields  have  been  on  the  decline,  this  has  become  an especially important type … Read more »

    Trends come and go in every aspect of life, including the markets. Trends spike media attention and huge amounts of public interest– everyone looking for a get rich quick solution. Now in vogue is marijuana and cryptocurrencies. Wanting to be part of this, or other trends, is fine but here are some pointers to keep… Read more »

    Five Investment Mistakes
    February, 2018

    This month we look at some of the common investment mistakes made by DIY investors. Some are new, but most are not. Here are some traps to avoid: Don’t think “Invest big or not at all” While it is great to be able to invest a large amount at once, this is not always feasible… Read more »

    It’s February which means thinking about the future and how much you contribute to your RRSP next month needs to be top of mind. Here are some thought starters that are key to reaching long-term financial goals. Plan what your future looks like from all angles We are often planning what our financial future looks… Read more »

    It is not a surprise that when January is mentioned, “goal setting” is often also used in the same sentence. Yes, it seems like a cliché to set goals as the new year rolls around, but there is something to be said for starting a new year with a solid new plan. As advisors, we… Read more »

    We are reaching the end of 2017 and for retail investors that also marks the end of another tax year. As we look forward to 2018, we prepare for tax time and dread it as we may, understanding the options is the best way to ensure investors are minimizing their taxes owing. Tax loss harvesting… Read more »

    We can’t believe it’s been a year since we launched Canada’s first pay-for-performance investment model. We listened to investors over the years and the message was clear: Canadians are tired of paying high investment costs that aren’t tied to results. So we responded to the overwhelming overpriced asset management landscape with our Transcend platform. What… Read more »

    Retirement savings. The two dreaded words we’re all forced to embrace. No matter where you turn, another article promising the best retirement savings advice stares back at you. Do I invest? How much risk do I take? What if I want to pass on my money? There’s no cookie cutter formula out there that will… Read more »

    We’re finally in travel season. The last thing you want now amongst your wanderlust is a hard hit to your wallet. But a simple trip to the doctor’s office in a foreign country can eat away multiple paycheques. Whether you’re an ex-pat for work or a perpetual avid lover of travel (and even if you’re… Read more »

    Chris is Transcend’s President and the heart and soul behind the company. To say he’s passionate about revolutionizing fees in the investment industry is a gross understatement. “[I] believe that linking investment management fees to the quality of performance achieved is a good way to align our clients’ interests with ours, ensuring that we are… Read more »

    Ryan is our client expert, dealing with customers and investors on a daily basis, helping them reach their financial goals. He’s not afraid to roll up his sleeves and get down to business. Despite his busy schedule, he’s always smiling and, more importantly, making others smile. Read on for more about Ryan. What is your… Read more »

    Real estate or stocks – which can make you richer? Asking this is like asking whether a Bentley or Benz is a better option for you. There isn’t one correct answer, because it comes down to your personality, preference and style. But with Toronto’s electric housing market, this decision may be a cornerstone for many… Read more »

    In the age we’re in now, when you can DIY everything from your bathroom to your finances, DIY investing is on the rise. Like anything, without professional guidance, investing and self-managing wealth can be quite risky, especially when your future is at stake. Do-it-yourself mistakes are all too common, so we sat down with Transcend… Read more »

    The world’s first mutual fund can be dated back to 1774. These investments were backed by income from plantations and were an early version of today’s mortgage-backed securities. A lot has changed since then, and we’re faced with tons of choices of where to invest our money. Mutual funds might be ‘safe’, but not always… Read more »

    During this “Do It Yourself” era we’ve grown accustomed to working on professional-level tasks on our own, whether renovating our homes or fixing our electronics – what can’t you learn from a YouTube tutorial nowadays? The truth is, not everything can be learned with a 5 minute video, and just because you’ve dipped your toe… Read more »

    How many of us start the New Year off by setting goals? Odds are, that number is much larger than those who actually keep them. Why do we lose our determination? Sometimes a goal is so monumental, it requires smaller goals within the broader ideal to make it achievable. We are hoping – if you… Read more »

    When we look back at 2016, we see a year that baffled our expectations in many ways. Political events surprised nations and new market volatility setting back health care and financial sectors and propping up energy and material companies that show great growth and potential. Here is a recap of the year that was:  … Read more »

    Every year Canadians miss out on money in their pocket because of how confusing the Canadian tax system is. With rules, exceptions and hidden information overload, most of us have no idea the amount of everyday costs that can be claimed for tax credits and deductions every year during tax season. This month we talked… Read more »

    Before we dive into the differences between human advice and robo technology, you have to know that these two are not mutually exclusive…we like to think they can exist together as the best of both worlds. Having said that, the core of traditional practice-the professional human experience- won’t be going anywhere. Here are the main… Read more »

    In today’s cost-conscious world we’re inundated with messages about the lowest costs, the easiest options for convenience and the best value. Unless you have a background in finance, the investment industry can seem like a cloudy maze difficult to navigate. We’ve kept our eye on the markets, the news, and most importantly, investments. Here are… Read more »

    Interest rates have been on the rise in Canada since June 2017 and the general consensus is that they will continue to go up. What will this mean to the average client’s portfolio? Of course, everyone knows that rising interest rates are bad for bonds, right? In reality, history shows a different conclusion concerning the… Read more »

    The performance difference between Canadian and U.S. stocks has been very pronounced over the past few years, but that could be about to change. Of course, the U.S. is a growth stock market and Canada is deep value, which as most investors know do very well during the late stages of an economic cycle. Since,… Read more »

    Uniquely Canadian
    July, 2018

    Around the world, particularly since the bottom of the stock market crash of 2008 (which occurred in February 2009), growth stocks have lead the recovery – but not in Canada. Global value stocks have traditionally produced greater gains during good quarters and bigger declines through bad quarters but Canada is different in this regard than… Read more »

    Trying to avoid a bear market can come at a very steep price: missing out on further gains if you get it wrong. Market timing can be a costly mistake since correctly timing the market is virtually impossible. The potential mistakes are just as severe whether you are trying to time the market to sell… Read more »

    Closing The Gap
    May, 2018

    Dividend paying stocks have been very popular with investors in recent years due to weak returns in the bond market. That picture appears to be shifting in Canada for the first time in almost a decade. As the Bank of Canada has slowly tightened monetary policy, bond yields have naturally risen, yet still remain well… Read more »

    Great Expectations?
    April, 2018

    Asset allocation is one of the most important decisions investors will likely make. There are a number of risk factors related to the type of investments used as well as their mix which makes determining the appropriate capital market assumptions necessary. There are many firms which provide investment assumptions to investors with each making their… Read more »

    Last year the Bank of Canada (BOC) implemented its first interest rate hike since 2010 and many investors reached for their crystal balls to try and forecast the future. While rising rates tend to signal stronger economic conditions and inflationary pressures, they can also have a meaningful impact on stock market sector returns. Changing the… Read more »

    Shifting Importance
    February, 2018

    Eventually this bull market will break its long winning streak but that does not mean you should be abandoning everything and running for the hills. What it does mean is that you should consider shifting your portfolio’s emphasis. Not all stocks react equally during good and bad times so the secret is to rearrange the… Read more »

    The two sides of January
    January, 2018

    Most investors have heard of the January Effect which is the observation that January has historically been one of the best months to be invested in stocks. However there is another January Effect which states that, “as goes January, so goes the year”. While January has produced positive performance 66% of the time between 1968… Read more »

    Investors had taken most of the summer off as the S&P/TSX stock index drifted aimlessly, trading between 15,500 in May and 15,000 at the end of August, but since then it has undergone a steep 7.5% increase. Of course for those investors who closely follow the market, it seemed to be moving in all kinds… Read more »

    Range Bound No More
    November, 2017

    After every major bull market, stocks typically become range bound and experience a sideways pattern with many optimistic and pessimistic periods before exiting 15 to 30 years later at about where it began. This has occurred in the U.S. five distinct times since 1870: 1870 to 1900 (lasting 30 years); 1902 to 1927 (25 years);… Read more »

    Short term interest rates are near 60 year lows which makes it hard for fixed income investors to earn a decent income. Couple this with the fact that the average investor has an aversion to investing in long term bonds because of the belief that higher interest rates are on the horizon and it becomes… Read more »

    While it is sad to say, there is always some sort of crisis cropping up around the world and more often than not they can lead to fear as investors become overly pessimistic. Such crises inevitably lead to panic selling and selling into a panic is always a bad idea. In fact, the panic lows… Read more »

    The Bank of Canada (BOC) has just implemented its first interest rate hike since 2010 which means a lot of investors are grabbing their crystal balls trying to forecast the future course of the stock market. Historically there has been a strong inverse relationship between interest rates and stock prices. Specifically, when interest rates rise… Read more »

    Typically, commodity prices go through longer bear market cycles compared to bull market cycles while the opposite is usually true for stock prices. While Canadian equity markets are slightly off the record highs set in February 2017, commodities, relatively speaking, are dirt cheap. In fact, they are basically the cheapest they have been since the… Read more »

    Stock investors often hear about “sell in May and go away” around this time of year. It implies that investors should sell their stocks in early May and buy them back in late October at a lower price. Since 1968 the S&P/TSX Index has risen an average of 8.0% (including dividends) from November to April… Read more »

    Finding Income
    May, 2017

    Finding Income May 2017 It is very difficult for clients to earn a steady income these days while short-term interest rates hover near 60-year lows. Couple this with the fact that the average client has an aversion to investing in long-term bonds because of the belief that higher interest rates are on the horizon, it… Read more »

    Stock markets have been getting a little choppy lately. Is it time to panic? Investors understand that market  fluctuations are part of stock market investing but they are nevertheless scary.  Investing in stocks is hard and to earn superior rewards you need to take  risks. Unfortunately, returns never come smoothly, there are ups and downs.… Read more »

    Why are investors still waiting for a correction? Some investors would like to see a pullback to cool off the  white hot equity markets, but they may have to wait a little longer.  This is because  without a yield curve inversion there will be no correction. This mantra remains as  true today as it did… Read more »

    Investing’s Unicorn
    February, 2017

    All investors want to have their cake and eat it too but you can’t have it both ways. It’s similar to clients who seek high returns with no risk. However, like unicorns, they do not really exist. It’s not an either/or, zero-sum situation, but more like a balancing scale. A well diversified and structured portfolio… Read more »

    As the old ways melt away it is time to establish your place and thrive in the new world. Pretty much everything affecting the process of providing financial advice is changing: regulations, products, technologies and business models. Advisors should not ask themselves “how will I operate going forward?”, but “how can I position myself to… Read more »

    It is easy to understand why Segregated Funds are a favourite investment vehicle for many financial planners. They have a great market-ing gimmick, a rosy benefits story making them an easy sell, the payout to advisors is great, and currently they do not fall under transpar-ency rules like mutual funds with the Customer Relation-ship Model… Read more »

    Playing it Safe is Risky
    September, 2017

    The law of unintended consequences is defined as the actions of people (especially governments) that will usually have an unanticipated impact. In fact, the harder we try to achieve something quite often the exact opposite occurs. In the investment world it is very hard to foresee outcomes beforehand, so the final results can sometimes be… Read more »

    How do you motivate people? Countless studies have indicated the same basic fact: people are not usually motivated by money alone. Of course everyone needs money to sustain their lifestyle and plan for the future, but it is often other factors that compel employees to come in each day and do good work to help… Read more »

    Repel the Robo Horde
    March, 2017

    The investment industry continues to experience seismic shifts that do not appear to be abating any time soon. Besides the seemingly never-ending onslaught of compliance macerations, we have the evolving battle between active and passive investment management.   Also, advisors are increasingly competing with a new and emerging adversary – robo advisors, the “next” devourer of… Read more »

    Many advisors are finding that robo advisors and internet technology are disrupting the investment industry but technology can also be used to strengthen client relationships and help make better decisions. It is important that traditional advisors know that robo advisors have their weaknesses and the appropriate use of existing technology can help with finding and… Read more »

      No! Not if (and this is a big if) clients receive value for their money. Value in this instance is defined as “the cost of something” and the key word is “cost” because the fee paid to own investments is not the end of the story. It is actually the starting point. t is… Read more »

    Time waits for no one (or service). Change is inevitable for both people as well as business. The wealth management industry is striving for greater efficiency, while an explosion of regulatory adaptation is forcing change, and the wealth transfer from baby boomers to younger generations is about to become a tsunami across the land. The… Read more »

    Managing wealth has evolved beyond investment management. Advisors must provide greater value to their clients to justify their fees or else risk losing business to lower-cost competitors. For clients, the question becomes how do you choose money managers? Four key principles for selecting money managers: Portfolio: Does the manager have a philosophy that is entrenched… Read more »

    How Advisors Deliver Value
    September, 2015

    While improving, there is substantial evidence that Canadians on average tend to have low financial literacy. Many are struggling with creating sufficient wealth for a secure retirement. These struggles lead many to fear their financial outlook and suffer tremendous stress and anxiety in their lives. Financial advisers play an important role with helping individuals make… Read more »

    Overcoming Inertia
    June, 2015

    The law of inertia naturally predisposes us to resist change. Many people are aware of the advantages of having a physical financial plan as a roadmap for their future yet inertia prevents them from doing something about it. So here are some tricks you can use to overcome it. Shock yourself into action When you… Read more »

    Asset allocation is the foundation of every portfolio and is generally considered to be the most important of all investment decisions. As each asset class, such as stocks and bonds, offer a trade-off between risk and return.  The objective is to balance the need for acceptable returns with exposure to the appropriate level of risk.… Read more »

    It is now six years since the beginning of the 2008 global financial crisis and one of the many casualties of that difficult time has been the damage done to investors’ perceptions of the integrity of the investment management industry. While Canada has fared better than many other countries, the headlines of global investment bank… Read more »

    Taxes are painful for everyone. Most high net worth investors are only too happy to wave goodbye to tax time every year. Gathering all of the investment income slips can be a chore, although the real pain lies in preparing the return and paying the taxes. Complicating this ordeal is the fact that many affluent… Read more »

    Given all the recent media attention it seems like those of us that are considered U.S. persons living in Canada have a target right in the middle of our forehead.  The IRS has taken to task the lucrative activity of pursuing U.S. persons living outside of America to ensure that they are paying their fair… Read more »

    Investors’ requirement for simplicity, transparency and personalized service are dictating that investment services must now include a comprehensive plan. Investors want solutions that are holistic in approach, including tailored advice and aggressive risk management that offers peace of mind. They want choice and convenience without sacrificing results. Unified Managed Households are a new form of… Read more »

    More and more clients are taking their money and going home or at least seeking second opinions. Given the events of the past decade and a half, this should come as no surprise as investors have seen two equity collapses in 2000 and 2008. Even now, with stock markets meaningfully off their bottoms and many… Read more »

    Investors in Motion
    September, 2013

    Eventually a tipping point will be reached when existing “status quo” investors see the light and demand a new approach. Eventually, investors will do their homework and compare the service they are currently receiving with that of other providers. Some investors are “manager junkies,” who are mesmerized by money managers and believe that selecting great… Read more »

    Investors are understandably nervous these days thanks to the relentless bad news emanating out of Europe and, to a lesser extent, from the U.S. (not to mention having gone through two significant market drops in the last dozen years).  Many clients are looking for solutions that will dampen volatility, improve investment returns and avoid the… Read more »

    Fog, Smog and Bog
    March, 2013

    The majority of the financial services industry has reached a level of parity for available products, with the bulk of the industry becoming a predictable cliché. Any investor can walk into an advisor’s office, bank or even a local insurance agency and have access to a similar range of products. Compounding this situation is the… Read more »

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