The stock market outlook remains in an uptrend, after a bullish response to U.S. election results and another rate cut by the FOMC.

Asset allocation In the red zone In the last twelve months the Annualized S&P 500 Return (Dividends Reinvested) has been 37.197%. We are clearly in a bull market; one might even say pretty toppy. It’s a fair question to ask if investors should lighten up on stocks. Let’s think about it. One of the most important elements of investing is asset allocation. That is, the percent respectively allocated to stocks, bonds and other investment asset […]

You may have noticed that there was an election in the U.S. this past week. Donald Trump will be returning to the White House. As comedian Bill Maher joked, Americans never turn down seconds. The good news is, it was a convincing victory. There will be a peaceful transfer of power. Others will say, the bad news is – it was a convincing victory. But the thing is, it doesn’t matter what we say, the […]

                      The month of October 2024 is another month of dividend income landing in my accounts.  Due to becoming debt free, I changed my pay myself model. Starting the beginning of August 2021, I am paying myself 30%, just like before. This will now consist of 24% to investing, and 6% to savings.  The investment portion is going to my TFSA. Any money left over […]

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There is always another rainbow. – Scrooge McDuck The IRS has updated the new contribution limits for retirement plans. The annual limit on elective deferrals will increase to $23,500 (up from $23,000) for 401(k), 403(b), and 457 plans, as well as SARSEPs, and to $16,500 (up from $16,000) for most SIMPLE plans and SIMPLE IRAs. That’s great news! If you can max out your 401(k) with a 10% return, you would have $1M in 17 […]

Environmental Social Governance Investing (ESG) and Socially Responsible Investing (SRI) are fraught with misunderstanding. When I was first coming up as a planner, your only options were extremely expensive mutual funds. Now, you can invest in a relatively low-cost portfolio, but I still see confusion about oversight and to what extent these funds meet the average consumer’s expectations.  Socially responsible investment funds often are not as socially responsible as you’d expect. In fact, many well-known […]

Investing in stocks can be like navigating a sea of uncertainty, where every wave in the market could either make or break your portfolio. One company that frequently catches the eyes of investors is Altria Group, Inc. (MO). This company boasts a wife product range and solid profits. However, there is the moral part of the equation. Do you want to own a stock in a company that produces a product that kills people? I […]