What a difference a month makes….   On Christmas Eve, markets were in a free fall and in January, they have generally been going up.   Of course, we can’t predict where the market will head in the next month, but historically stocks have had higher returns than other investments.  I’ve included a note below about RRSP and TFSA contributions, which may or may not be applicable in your situation.  We’ve also included a few links regarding the passing of Jack Bogle, founder of the Vanguard Group.  He has had a major impact on the investment industry over the past couple of generations.  On a more personal level, in university, one of his books was required reading in my Corporate Finance class.

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