Risk Management

An Introduction to Insurance and Risk Management – Part 1 Wouldn’t you love to be a risk manager? It sounds like a job for the man or woman who gets great joy from being a party pooper. I suppose that might be true in some circumstances,...

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Asset Allocation: Putting It All Together

An Introduction to Investment Planning – Part 8 Over the course of this series on investing, I have written about bonds and stocks and the ways they may be purchased, that is, individually or via funds, whether those are mutual funds or Exchange-Traded Funds. For now,...

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Passive Indexing vs. Active Management

An Introduction to Investment Planning – Part 7 In the world of investment funds, passive investments that track an index are relatively recent innovations. In the US, John Bogle, the founder of Vanguard, launched a mutual fund in the 1970s that tracked the S&P 500 Index....

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The ETF: Building a Better Fund?

An Introduction to Investment Planning – Part 5.6 Is the ETF a Better Fund? Tax Efficiency Due to the differences in the way mutual funds and ETFs are created and redeemed, there tends to be bit more tax efficiency in the case of ETFs. Therefore, if you have...

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The ETF: What is it?

An Introduction to Investment Planning – Part 5.5 For decades the mutual fund has dominated the investment world of the average Canadian. You could walk into your local bank or credit union, get a recommendation from your friendly financial advisor, invest as little as $100, set...

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Announcement: FINPLAN30

A No-Cost No-Obligation Financial Planning Conversation About Almost Anything in 30 Minutes   What are your resolutions for 2020?   Might any of them be to tackle some burning financial questions?   If so, consider reaching out to me for a quick 30-minute conversation about that question.   FINPLAN30 conversations are 25 minutes...

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The Wide World of Mutual Fund Categories

An Introduction to Investment Planning – Part 5.4 Diversification is one of the main benefits of mutual funds. With one purchase you can buy a piece of a wide variety of securities. Nevertheless, some mutual funds are quite narrowly focused and should probably be complemented by...

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With your Mutual Fund you also get a Trailer

An Introduction to Investment Planning – Part 5.3 Why is there a trailer hitched to my mutual fund? Included in the Management Expense Ratio or MER of many mutual funds is a trailing commission or trailer that is paid to the firm where you have your mutual...

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What a load of … fees!

An Introduction to Investment Planning – Part 5.2 Within my larger series on investment planning, this is the second post on mutual funds. Mutual funds are popular investment vehicles for investors because they give you instant diversification in a single purchase and they can be bought...

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