Kingsmill Investment Miscellanea

This is my personal, weekly investment commentary, where I provide in a few paragraphs, market commentary, insight and actionable ideas, which is sent out to all my clients.


 

Kingsmill's Investment Miscellanea - Friday February 23rd, 2024

February 23, 2024 |Joshua Kingsmill
As we work through RRSP season, I found it interesting to read that in the US (and same for Canada), we are entering the “peak 65 zone” This is the largest surge in American history of retirement age citizens turning 65. Over 4.1 million Americans will...
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Kingsmill's Investment Miscellanea - Friday January 19th, 2024

January 19, 2024 |Joshua Kingsmill
Dear Client, Happy new year. First post of 2024. We have been reaching out to clients about their TFSA contributions and top-ups, as well as your RIF and LIF payments, and schedules. So if we haven’t heard from you, we will be at it again over the next...
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Kingsmill's Investment Miscellanea - Friday December 8th, 2023

December 08, 2023 |Joshua Kingsmill
Many of my clients (and many Canadian Investors for that matter) have reached out, as they have started receiving letters from Fund Companies, as well as their auditors at Ernst & Young. While we all might be familiar with the headlines that talk about...
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Kingsmill's Investment Miscellanea - Friday November 17th, 2023

November 17, 2023 |Joshua Kingsmill
One of the aspects of investing that we always grapple with, is the “timing of investments”. Part of our job is to make sure that the objectives of the clients align with the outcomes historically available in the market. For instance, if a client has...
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Kingsmill's Investment Miscellanea - Friday November 10th, 2023

November 10, 2023 |Joshua Kingsmill
A little bit of a “contrarian”, but perhaps a helpful take on the housing market in Canada. We have been doing a lot of re-financings, clients selling or contemplating selling recreational properties, as well as “income properties”. Of course, each person’s...
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Kingsmill's Investment Miscellanea - Friday October 27th, 2023

October 27, 2023 |Joshua Kingsmill
With global interest rates reaching levels not seen in over a decade, I’m often asked whether the era of zero and negative interest rates has ended. I’ve attached an excellent piece on this, but wanted to highlight a few points. In short, it's important...
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Kingsmill's Investment Miscellanea - Friday October 13th, 2023

October 13, 2023 |Joshua Kingsmill
One of the “secret weapons” for why the consumer has held up so well, and continues to spend in North America, is an important and little-appreciated fact: Consumers are getting older (and wealthier). Almost 18% of the US population is now 65 years or...
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Kingsmill's Investment Miscellanea - Friday September 29th, 2023

September 29, 2023 |Joshua Kingsmill
A few weeks ago, I posted about the debt ratios in Canada being quite high, relative to other countries. One question I have been receiving is: “what does that mean when people’s mortgages are up for renewal”? A key distinction when comparing the US home...
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Kingsmill's Investment Miscellanea - Friday September 15th, 2023

September 15, 2023 |Joshua Kingsmill
We’ve had a lot of analysis being conducted for our clients on the question of whether they should pay down more debt, vs investing, downsizing home to have little or no mortgage, etc. Getting the answer to these questions right is a real challenge. Without...
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Kingsmill's Investment Miscellanea - Friday September 8th, 2023

September 08, 2023 |Joshua Kingsmill
While we don't know what the exact timeline will be, it was interesting that electric cars passed a crucial tipping point in 23 countries. A year ago, it was 19 countries. Battery powered cars could be replaced by something even more efficient and environmentally...
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Joshua Kingsmill

Joshua Kingsmill, BA, MBA, CIM

Portfolio Manager & Wealth Advisor

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