Q> So...what’s important for me to know? A> That’s up to you and your individual choice. At minimum, we ask you to read the SUMMARY to know how your money is doing—and that is told by how much your portfolio earned, in both dollars and the rate-of-return . If you are a couple and/or have multiple accounts with us, we report here the overall  return. The rate of return data includes your simple return for the past year and, most importantly, your long term compound r

“It was the best of times, it was the worst of times….” Thusly we started our editorial in the Spring 2023 issue….quoting the opening lines from Charles Dickens’ A Tale of Two Cities in 1859. Fast forward to lyrics in 1967 from the Rascals Band : “ How can I be sure...in a world that’s constantly changing? ” So many people, places and things to worry about. Lastly, our least favourite pithy statement “ This time..it’s different! ” We frequently have shared with you the groun

Our client portfolios continue to benefit from robust growth in global equity markets, as well as stable returns in our bond portfolios. Over the last 1 1/2 years, our portfolios have seen mostly double-digit returns (ranging from 8.8% to 22%), for equity proportions between 45-65%. Over that period, the equity portion has averaged 18% and the fixed income portion 6%. Over the last five years , portfolios with an asset allocation plan of 40% fixed income and 60% equities h

D espite ongoing global uncertainty, driven by U.S. tariff policies, recession fears, and a relentless cycle of negative media headlines,...

T here is no doubt that investor anxiety has become the predominant theme since the ongoing, and constantly changing, series of proposed...

Investing Update F oresight  had to take a forced “sabbatical” due to the national postal strike, and skip the Winter issue. Since the...

A s we look forward through the Fall of 2024 to the prospects for 2025 and beyond, we think it is worthwhile to first look back at where...

G lobal equity markets had a very strong end in 2023 and continue to be the major driver of portfolio returns over the first five months...

As we look forward through 2024, we see a number of potentially positive trends for our portfolios. Even if interest rates stay higher,...

T he Fall 2022 Foresight  discussed our expectations for volatility in financial markets (both up and down) to be a major theme going...

A s we continue to wait for one of the most predicted recessions in recent memory, we think it important to put perspective on the...

O n June 7 th  the Bank of Canada ( BoC) raised its key overnight lending rate 25 basis points to 4.75%. The move surprised...

W e recently attended the Vancouver 2023 CFA Financial Forecast dinner featuring as the keynote speaker Mark Carney (the former governor...

T he financial market volatility we referenced in our Fall Foresight is unfolding as expected and likely will continue into early/mid...

F inancial asset price volatility remains the theme for 2022 as we move into the Fall. When one raises the topic of price volatility it...

T he first half of 2022 has seen global equity markets correct and inflation return to levels we haven’t seen in decades. Covid lockdowns...

M arket volatility in both global stocks and bonds has been the theme so far in 2022. Global supply chain issues caused by the ongoing...

E nvironmental, Social and Corporate Governance (ESG) issues are taking a larger role in the decision-making process for investors,...

It is hard to believe we are almost 18 months into a new and unexpected bull market. Equity markets have surprised on both the speed of...

A lthough global economies continue to struggle to find their way through the current health crisis, global equity markets remain very...