Funds

How to create the best retirement portfolio through diversification

Realistic expectations and an eye toward diversification will help you develop the best retirement portfolio, and give you built-in security. Diversification should be the focus of investors looking to build the best retirement portfolio. Tempering expectations on the size of your return is another ...

How to file an investment complaint

Source: Shutterstock Navigating Canada’s investment complaint system is no easy chore. But at some point during the investment lifecycle it is likely that you will need to file a complaint with your investment dealer if you received unsuitable advice resulting in a loss of capital. Complaint ha ...

Opening a TFSA at your bank

M A K I N G   B A N K What would you rather do with your money? Put it away in a bank account and let it sit, or put it into a TFSA and watch it grow? OK, silly question. We all want to see our money make money (and there is no better way to do that than through a TFSA), but what’s the proce ...

Risky robos

Q: My husband needs to set up a RRIF within the next three months. We currently have his RRSP in mutual funds with a bank with poor returns and fees of 2%+.  We also have DB pensions and he is still working a few days a week for a while yet. We are tempted to use a robo-advisor but wonder whethe ...

Canada’s Pension Funds Lever Up?

Julie Segal of Institutional Investor reports, Canada’s Pension Funds Lever Up:Canadian pension plans are among the most admired institutional investors for their prowess as money managers. Now pension plans in Canada are upping the ante, increasingly issuing long-term bonds and using the borrowe ...

How ETF investors sabotage themselves

Source: Shutterstock We’ve all seen the type. You know, the guy on the golf course who’s got a beautiful Callaway 3-wood, but can’t hit a straight tee shot. Or the amateur chef who bought a perfectly balanced German-steel knife before she learned how to dice an onion. Watching folks like th ...

Q: Pat: Is it possible to invest in Samsung electronics through a discount broker like TD Direct Investing. If so, do you advise it? Thanks.

A: Samsung Electronics trades on the South Korean Exchange under the symbol KRX:005930. It doesn’t appear that you can buy the stock on that exchange through any Canadian discount brokers, including TD. The shares do trade on the U.S. over-the-counter market under the symbol SSNLF, and you can pl ...

How to invest your money in Canada as a U.S. citizen

Q: I am both a Canadian and American. At this juncture, I will not give up my American citizenship since my family is down there and I am only 33. I have maxed my RRSP and I want to invest in ETFs in a non-registered account but I understand there are issues with U.S. tax liabilities. There are o ...

MAPF Portfolio Composition: August, 2017

Turnover continued to ease to about 8% in a very quiet August. There is extreme segmentation in the marketplace, with OSFI’s NVCC rule changes in February 2011 having had the effect of splitting the formerly relatively homogeneous Straight Perpetual class of preferreds into three parts: Unaffec ...

Interview with John Kalos of Merit Financial Planning

Image Credit: Vintage Tone/Shutterstock.com   In this series, I (Jin Choi) publish interviews of interesting financial professionals. The following is a transcription of my interview of John Kalos, who runs Merit Financial Planning. Please note that the transcription has been lightly edited to i ...