Blog: Cutting Through the Noise


Strategic Asset Mix (SAM)

Excerpt from Scott Ronalds's blog on April 24, 2014

An investor’s long-term mix of stocks, bonds, cash and other investments that will provide her with the best opportunity to achieve her objectives. It should take into consideration an investor’s goals, risk tolerance, and investment time horizon. An investor should not alter her Strategic Asset Mix unless she experiences a change in her personal circumstances such that her investment objectives, risk ...

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Trailer Park Bullies

Excerpt from Tom Bradley's blog on April 22, 2014

I’ve grumbled in this space numerous times that the mutual fund industry is stuck in the dark ages. Its automatic response is to resist change and improvement. Meanwhile, the world moves on and clients find other ways to invest (ETFs being one example). While ...

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Only 300?

Excerpt from Tom Bradley's blog on April 17, 2014

TD ran a large ad in the Report on Business yesterday. It shouted: Get up to 300 free “I’m feeling more confident” trades. Are you kidding me? 300 trades. I’m not sure I’ve done 300 trades in 31 years in the business. Is this a reflection of where we are in the cycle (I’m feeling more confident) or is TD encouraging its clients to do some high frequency trading of their own. 300 trades. Really?

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The Ultimate Commitment

Excerpt from Scott Ronalds's blog on April 16, 2014

David Toyne (our Toronto guy) pointed me to an interesting story the other day about doing a job right. David’s a fan of Terry O’Reilly and his radio series Under the Influence. He was listening to a recent episode in which O’Reilly was reciting stories from some of ...

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Income Fund: A Focus on Dividend Growth

Excerpt from Scott Ronalds's blog on April 14, 2014

Roughly one-third of our Income Fund is currently invested in stocks. Equities add both diversification and yield to the portfolio, which can be particularly beneficial in today’s low interest rate environment (10-year government of Canada bonds are yielding a paltry 2.4% ...

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Bradley's Brief - Q1 2014

Excerpt from Scott Ronalds's blog on April 11, 2014

From our Quarterly Report: Looking to the future, the advice we’re giving our clients has increasingly focused on risk management. Rising stock prices have resulted in increased valuations and a renewed thirst for risk assets. The current stock market run ...

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Excerpt from Neil Jensen's blog on April 10, 2014

There has been a lot in the news over the past day or so about the Heartbleed bug. We were alerted to the issue on Monday evening, the same day the bug was announced on That evening we checked all of our major systems, including our ...

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Excerpt from Scott Ronalds's blog on April 9, 2014

di∙wor∙si∙fi∙ca∙tion (noun). The practice of owning too many securities or investments such that a portfolio starts to look very similar to the broad market and has no sense of direction. Also known as Overdiversification. The term is taken from The Steadyhand Dictionary, which is a collection of investing terms and colloquialisms. Some are widely used, some aren’t used enough, and some are seen ...

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Borrowing to Invest

Excerpt from Tom Bradley's blog on April 7, 2014

Over the last couple of weeks we’ve met with two prospective clients who were dealing with unpleasant situations related to investment loans. In one case, the loan proceeds were used to purchase mutual funds with deferred sales charges. (I haven’t quite ...

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Three Ways we Let the Power of Compounding Slip Through our Fingers

Excerpt from Tom Bradley's blog on April 2, 2014

Set up a long-term investment plan and stick to it. It’s easy to say and difficult to do. What makes it so hard are the inevitable market extremes, which range from “I can retire today” euphoria to “I hate the stock market” depression. At both ends of the spectrum, it’s ...

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Job Opportunity: Investor Specialist

Excerpt from Neil Jensen's blog on March 31, 2014

Are you passionate about helping Canadians be better investors? Do you want to help change the landscape in the wealth management industry? If you can say yes to ALL these questions, you should check out this job posting for an Investor Specialist ...

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BRIC - Rest in Peace

Excerpt from Tom Bradley's blog on March 31, 2014

BRIC is an acronym for Brazil, Russia, India and China. It was created by Jim O’Neil, the Global Economist at Goldman Sachs (who became a celebrity in the business press as a result). BRIC was meant to symbolize the shift in economic clout from the developed ...

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