Too many investors fear longevity too little – and market volatility too much

 May 15, 2023 |Alan MacDonald
In 1993, the cost to mail a letter in Canada was 43 cents. Today (assuming anyone were to actually want to mail a letter) it would cost $1.07. That’s an increase of just over two a half times, and it’s pretty close to the average inflation in the price...
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How to crash-proof your retirement income

 April 12, 2023 |Alan MacDonald
As I write this article, the latest crisis du jour is the collapse and insolvency of the Silicon Valley Bank. We here in Canada tend to think of our banks as being virtually invulnerable. But as the 2008 banking crisis taught us, even the biggest blue-chip...
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When to take OAS and CPP -another perspective

 March 17, 2023 |Alan MacDonald
We’re all getting older and one of the hot topics for us aging boomers is when to take our OAS and CPP. The rewards for deferring these pensions can be substantial. For CPP, the monthly benefit increases by 7.2 per cent per year for each year you defer...
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An Investor checklist for 2023

 February 27, 2023 |Alan MacDonald
An investor checklist for 2023 The first month of the New Year is officially behind us. Traditionally, this is the time when all our well-meaning resolutions are forgotten until next January rolls around, and our old habits start to rear their ugly heads...
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There’s a recession coming in 2023. So why am I still in stocks?

 January 16, 2023 |Alan MacDonald
The debate is over. We have an inverted yield curve in fixed-income securities, where short–term rates are higher than long–term rates. Consumers are stretched thin, battered by the twin spectres of rising interest rates and higher-than-average inflation...
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How to get a perpetual 6.5 per cent return on your investment capital

 November 15, 2022 |Alan MacDonald
Many investors these days are wondering how they can capitalize on the incredible run-up we’ve been seeing in interest rates lately. According to the RBC Strategy Committee, the current high rates will probably be with us for a while. But with ongoing...
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Why Negativity Sounds Smart

 October 24, 2022 |Alan MacDonald
You can’t open the financial news today without being bombarded by a steady stream of negative headlines. Among the most cherished topics are runaway inflation, sovereign debt default, over stretched consumers, impending recession, war, and, of course...
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Too many investors fear longevity too little – and market volatility too much

 September 16, 2022 |Alan MacDonald
In 1993, the cost to mail a letter in Canada was 43 cents. Today (assuming anyone were to actually want to mail a letter) it would cost $1.07. That’s an increase of just over two and a half times, and it’s pretty close to the average inflation in the...
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Why not wait until things look better?

 June 20, 2022 |Alan MacDonald
“Let’s hold off on putting any money into the markets for a bit and wait until things settle down.” I’m hearing these words from a lot of investors these days. Especially from people who have recently sold a business or property, had a bond or GIC come...
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Market volatility fatigue

 May 17, 2022 |Alan MacDonald
The last two years have been tough for everyone. We’ve been through a once-in-a-100-year pandemic that seems to just keep coming up with new variants. Politics have become more bitter and divisive than ever, with conspiracy theories and fake news flourishing...
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Global Insight Monthly

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Global Insight 2023 Outlook

The expected recession from an investment perspective.

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