Where Should CIRO Focus?
January 22, 2025
Recently regulators have pushed for lower cost models in the financial industry. The result? Poorer performance for average Canadians. What should CIRO be doing instead?
Recently regulators have pushed for lower cost models in the financial industry. The result? Poorer performance for average Canadians. What should CIRO be doing instead?
Finding a good fund manager or two is the most critical factor affecting the results of your long-term account. What steps can you take to make sure you have a good one?
Investing for the long-term is predictable. Investing for the short-term is not! We discuss the most-tested and profitable model for picking stocks
Fractional Banking is the process which allows the banks to make huge profits off of our deposits, all the while paying us a small pittance of the income generated.
These are the bedrock short-term, low volatility investments designed for absolute capital preservation. They have an essential place in the short-term account, so understanding them is critical!
How to set up the long-term portion of your 3-Plan financial portfolio. Alignment with long-term trends in the economy to drive above average growth is the key concern. Focus on investments with growth stocks to benefit from superior returns.
How to set up the medium-term portion of your 3-Plan financial portfolio. Steady growth is the key concern. Focus on investments with known returns or dividend paying stocks to protect from downside risks.
How to set up the short-term portion of your 3-Plan financial portfolio. Safety of cashflow is the key concern. Focus on interest generating investments. Time laddering these investments is explained
Here’s a new framework for managing our financial resources to meet our financial goals.
There are more effective strategies to use RRSPs as a tax deferment vehicle prior to retirement.