November Newsletter

Nov 07, 2018 | Cairy Holtby


November 2018


Now that the evenings are cooler, crisper and the sun sets sooner; you may find the time to catch up on some of your favorite indoor activities. Whatever it is that keeps you busy, rest assured that our team is continuously working to simplify your life so you can spend time on what you value most.


As markets have been on a recent slide, it’s important to remember that downturns are routine but they rarely feel that way. We have been trending more defensive in our investment selections and recommendations to align with the recent market volatility. My team and I will continue to monitor the markets and will make recommendations that make sense going forward.


Capital Gains/Loss Reporting 2018:

2018 is almost in the books with less than 60 days before the New Year. As such, we would like to offer a realized capital gains/loss report to help you (and your accountant) understand what has happened in the year so far. It may prompt a discussion if there should be any tax-loss selling before 2019, so please touch base with us for your personal report.


Financial & Estate Planning:

We’d also like to use this time of year to encourage you to sit down and let us help you with your financial and estate planning. We can go through this process in person, or over telephone and email. You can let us know what type of communication works best.


RESP Contributions for 2018:

Contributions must be made between January 1 and December 31 to be eligible for that year. There is no 60-day extension into the new year, as there is for RSPs.


Holtby & Associates Team Contact:

Cairy Holtby 250.712.2116 |

Jones Schack 250.712.2117 |

Natel Hull 250.712.2187 |

Jillian Hughes 250.712.2195 |


Please stay tuned to our website,

You will be able to find articles we post as well as the regular Global Insight Weekly and Monthly publications.




Keeping track of your investment portfolio just got a little easier with electronic documents (eDocuments). These online documents include exactly the same information as the paper documents you receive in the mail today…

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The market’s mood swings are unsettling, but the underlying conditions that triggered the rout are unlikely to shatter economic or earnings cycles.

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Can the U.S. Equity Market Handle More Rate Hikes?

It’s not rate hikes that matter most to equity performance, and we look at why equities should be able to absorb additional hikes.

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