An Introduction to Insurance and Risk Management – Part 3 My Personal Story When I was 25 years old, a couple of months into marriage, I went to see my doctor for a routine physical exam. One thing led to another until I was referred to a...
Read MoreAn Introduction to Insurance and Risk Management – Part 2 Life insurance probably ranks up there with wills and estate planning when it comes to enthusiasm for the average person. They both have to do with death. Really, life insurance should be called death insurance since...
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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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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,...
Read MoreAn 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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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...
Read MoreAn 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...
Read MoreAn 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...
Read MoreAn 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...
Read MoreAn Introduction to Investment Planning – Part 5.1 What is a mutual fund? At its simplest a mutual fund is a pool of money that has been invested in a collection of stocks – in the case of an equity fund – that have been chosen by...
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