Many Canadians are paying high fees to underperform. If you invest with a company that only offers investments they issue themselves, there is a good chance you are one of them.

The S&P 500 has historically averaged a return of 10.1% since 1928, but only 4 times over the past 98 years has the annual return been between 8% to 12%.

Many Canadians are paying high fees to underperform. If you invest with a company that only offers investments they issue themselves, there is a good chance you are one of them.

With the price of Gold hitting all-time highs (see chart below) I’ve been fielding more and more questions recently along the lines of “is now a good time to buy?”.

It didn’t take long for the markets to recover after a significant sell off earlier this year. Hope you didn’t miss the rebound!

Investors are advised to own a well-diversified portfolio within their risk tolerance and then maintain it through all market conditions until their situation changes or they are faced with a major life event. This is all well and true, but if you’re an investor who is entering your retirement years, generating a high return, while important, is only one factor that influences how long your savings will last.

How bad were the first four months of 2025? Probably not as bad as you would have thought if you were only reading the headlines.

The Trump Tariffs and the market’s subsequent (negative) reaction are dominating headlines these days. This has led to many people wondering what to do with their investments and asking where the markets will go from here. The first part of that is easier to answer. The second part is much more difficult (impossible?) to know, especially over the short-term.

Trying to time your entry into the markets usually leads to under performance. When taking a long term view, don’t be afraid of the markets because they are “too high”.