Are Investors Their Own Worst Enemy? When it comes to investing, people can be their own worst enemy. Nearly all of the mistakes made by investors can be attributed to their behaviour, which is typically dictated by their emotions. Fear and greed have ways of influencing the investing decisions of even the most rational people; which is why most investors typically underperform the markets. According to a 2015 study by DALBAR, the returns most investors...
Allowances: How to manage them with your kids According to the latest studies, 30% of Quebecers give their kids an allowance. On the fence about giving your kids a small allowance? Read on to find out what parents and experts think. The ins and outs of allowances According to Hélène Hétu, budget counsellor at ACEF Rive-Sud, giving your kids an allowance is a personal decision. She stresses the need, as a parent, to first know...
As we age, the odds of incurring an injury or major illness, which will prevent us from performing simple daily functions, increase substantially. Today, one in three people over the age of 65 will require assisted care of some sort; and past age 75 the odds increase to one out of every two people.
Three Tips to Reduce Funeral Costs Funeral costs are an inevitable expense that you will one day have to face. Even if some of these choices are difficult to make, it is better to make them before your death to avoid leaving your loved ones to foot the bill. According to the most recent data from the Corporation des thanatologues du Québec (CTQ), the average cost in Quebec of a complete memorial service and body...
Market Review and Portfolio Strategy October 2019 Edition The last few weeks have been eventful for global equities. After rising to almost a record in mid-September on optimism about a China-U.S. trade deal, the MSCI ACWI (all countries), retreated after Saudi oil output was impaired by attacks on a major facility. Though Saudi production has since been restored, the markets remain mired in uncertainty in the face of indications that trade tensions are hurting corporate...
What to expect for the rest of the year? Since the beginning of the year, markets were often bullish, and especially volatile. What to expect for the rest of the year? Here are highlights that caught the attention of National Bank’s team of economists: Canada The economy and the job market should remain dynamic. Strong U.S. demand, a weak loonie and the elimination of aluminum and steel tariffs are likely to boost exports. United States...
The Keys to Building Wealth For many Canadians, building true wealth might seem unobtainable, or even illusory considering that many people, who very recently were sitting on six and seven-figure RRSP’s and home equity values, now feel unprepared for retirement. The primary lesson learned from the recent financial crisis is that wealth can be fleeting. However, wealth creation always has been, and still is, a process grounded in sound principles and practices that, when applied...
Saving Money versus Paying Off Debt Saving money versus paying off debt is an age-old quandary that has plagued people since the advent of consumer debt. Posing the question to a group of financial planners, the responses will usually be split, roughly, down the middle. While there may be as many advocates for savings as there would be for paying down debt, the broad consensus will likely be that it really depends on the specific...
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MARKET REVIEW OCTOBER 2018 STOCK MARKETS (as of October 12th, 2018) Canadian Equities This year, the TSX60 (the 60 largest market capitalizations) is down -2.7% as of October 12, 2018. The poor performance of the S & P / TSX was not due to the weak economy. In fact, the Canadian economy continued to hold positive surprises and earnings per share (EPS) of the S&P/TSX index exceeded expectations. So what has affected the Canadian benchmark...