Borrowing To Invest: What The Experts Have To Say

Warren Buffett famously said that investors should “be fearful when others are greedy and greedy when others are fearful.” Yet one look at statistics on leveraged investing suggests that we do the exact opposite: Investors have borrowed more money than ever to buy into this post-financial crisis bull market. Leverage can be a powerful tool in…

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Managing Your Portfolio: How Many Stocks Should You Own?

A few days ago while my husband was watching interminable football game (after game, after game), I was scrolling through various financial sites and came across some interesting articles asking how many stocks should you own in your portfolio. Some advisors say no more than 10. Some say that 20 to 25 would give good diversification…

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Robo-Advisor Battle Royale

The investment landscape changed this year when a new online investment model came to Canada.  Already established for years in the United States with firms like WealthFront and LearnVest – robo-advisors have made their way north of the border with hopes to disrupt the current advice model. What exactly is a robo-advisor?  Essentially it is…

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How Behavioural Biases Kept Me From Becoming An Indexer

I’ve spent the last five years convincing myself – and many of you – that I’m a sophisticated do-it-yourself investor with a sound strategy that will outperform the market over the long run. My dividend growth investment approach has indeed performed well, returning over 16% per year since 2009. But the stock market in general…

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You’re Not Raiding Your Retirement If You Use The Home Buyers’ Plan (Unless You Are)

From what I can tell, most of the arguments against using the Home Buyers’ Plan are really arguments against buying a house you can’t afford, or castigations of the government for incentivizing home ownership…because people are buying houses they can’t afford. Related: First Time Home Buyers – HBP or TFSA? Remember: reduced to its simplest…

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Invest Like A Billionaire? No Thanks!

Exchange traded funds have surged in popularity over the last decade, and for good reason.  A low cost, broadly diversified fund that tracks a stock index like the S&P/TSX 60 or S&P 500 doesn’t need to pay an expensive management and research team to deliver its mandate – saving you money. But a disturbing trend…

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When Is The Best Time To Invest?

It’s not surprising that investors (especially first-time investors) often worry about the timing of their stock purchases. They believe they can accurately predict when it will rise and fall. The financial media is obsessed with market timing. Market timing doesn’t work for the average investor – or even most professionals – so don’t listen to…

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