Selecting a Mutual Fund

Using a Screener Mutual funds play a dominant role in Canadians’ investing lives. Even for the self-directed investor, that is, someone who does not have an investment advisor recommending particular investments and who could therefore choose to invest in individual stocks, mutual funds continue to be...

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Segregated Funds: Mutual Funds with Insurance

An Introduction to Insurance and Risk Management – Part 6 Doesn’t this Post Belong Under Investment Planning? While segregated funds are investment products, the fact that they have certain insurance features and can only be bought through someone who is life-insurance-licensed, I have placed this topic under...

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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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Why Advice-Only Planning?

When I told a co-worker at my previous place of employment that I was going to open a fee-for-service, advice-only financial planning practice, her immediate response was, “Why should anybody pay for that? A financial advisor will do that for free!” Advice-Only Financial Planning: a small...

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