This is Jeff Wareham, ScotiaMcLeod Wealth Advisor, with some thoughts
for investors outgrowing their mutual funds.
November draws to a close today, and it has been another very
difficult month for investors. However, for the first time in months,
we have had five positive days in a row on the TSX. This may not be a
cause for celebration, but at least the violent, late day sell offs we
have seen seem to have abated.The market remains a very challenging
place for investors, and we will likely see more difficult days during
this downturn, but as year end approaches, there are many good reasons
to review your portfolio, and your strategy.
If you are looking for a second opinion, or a fresh perspective on
preparing for what's next, give me a call.
For a review your portfolio, or a complimentary copy of my CD, visit,
www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.
This program is for information purposes only. Fees, management fees,
and commissions may be associated with mutual fund investing.
Investors should consult their prospectus before investing. Views
expressed are those of the author, not Scotia Capital. ScotiaMcLeod is
a division of Scotia Capital Inc, member CIPF
Friday, November 28, 2008
Wednesday, November 26, 2008
Time to Look Ahead
This is Jeff Wareham, ScotiaMcLeod Wealth Advisor, with some thoughts
for investors outgrowing their mutual funds.
Thanksgiving is here for our American friends, and perhaps we should
be thankful for a couple of days of relief from all of the US
responses to the economic crisis. Day after day, we see dramatic, and
often confusing, program announcements. Most announcements are aimed
at restoring confidence in the US economy, and stimulating consumer
spending. The size, and number, of these programs tell us that
turning the corner will not be easy, but, at least in theory, they
should work. After the bruising you have likely taken in this recent
bear market, it may be tough to think long term, but there are real
opportunities that will emerge from the massive response that has been
required to this financial crisis. Are you prepared for what's next?
For a review your portfolio, or a complimentary copy of my CD, visit,
www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.
This program is for information purposes only. Fees, management fees,
and commissions may be associated with mutual fund investing.
Investors should consult their prospectus before investing. Views
expressed are those of the author, not Scotia Capital. ScotiaMcLeod is
a division of Scotia Capital Inc, member CIPF
for investors outgrowing their mutual funds.
Thanksgiving is here for our American friends, and perhaps we should
be thankful for a couple of days of relief from all of the US
responses to the economic crisis. Day after day, we see dramatic, and
often confusing, program announcements. Most announcements are aimed
at restoring confidence in the US economy, and stimulating consumer
spending. The size, and number, of these programs tell us that
turning the corner will not be easy, but, at least in theory, they
should work. After the bruising you have likely taken in this recent
bear market, it may be tough to think long term, but there are real
opportunities that will emerge from the massive response that has been
required to this financial crisis. Are you prepared for what's next?
For a review your portfolio, or a complimentary copy of my CD, visit,
www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.
This program is for information purposes only. Fees, management fees,
and commissions may be associated with mutual fund investing.
Investors should consult their prospectus before investing. Views
expressed are those of the author, not Scotia Capital. ScotiaMcLeod is
a division of Scotia Capital Inc, member CIPF
Monday, November 24, 2008
End of the Year Advice
This is Jeff Wareham, ScotiaMcLeod Wealth Advisor, with some thoughts
for investors outgrowing their mutual funds.
Year end is quickly approaching, and now is a great time to be
assessing the impact of this year's dreadful markets on financial and
tax planning. In particular, it may be a great time to talk to your
financial and tax advisors about the opportunity to use capital losses
against capital gains you may have paid in the past few years. Proper
planning may not eliminate the pain of the Bear Market of 2008, but it
may allow you to recoup taxes you have paid in past.
If you have not considered this option, or would like a second
opinion, please give me a call.
For a review your portfolio, or a complimentary copy of my CD, visit,
www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.
This program is for information purposes only. Fees, management fees,
and commissions may be associated with mutual fund investing.
Investors should consult their prospectus before investing. Views
expressed are those of the author, not Scotia Capital. ScotiaMcLeod is
a division of Scotia Capital Inc, member CIPF
for investors outgrowing their mutual funds.
Year end is quickly approaching, and now is a great time to be
assessing the impact of this year's dreadful markets on financial and
tax planning. In particular, it may be a great time to talk to your
financial and tax advisors about the opportunity to use capital losses
against capital gains you may have paid in the past few years. Proper
planning may not eliminate the pain of the Bear Market of 2008, but it
may allow you to recoup taxes you have paid in past.
If you have not considered this option, or would like a second
opinion, please give me a call.
For a review your portfolio, or a complimentary copy of my CD, visit,
www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.
This program is for information purposes only. Fees, management fees,
and commissions may be associated with mutual fund investing.
Investors should consult their prospectus before investing. Views
expressed are those of the author, not Scotia Capital. ScotiaMcLeod is
a division of Scotia Capital Inc, member CIPF
Friday, November 21, 2008
Reduce the Risk to Your Retirement Security
This is Jeff Wareham, ScotiaMcLeod Wealth Advisor, with some thoughts for investors outgrowing their mutual funds.
The uncertainty of 2008 hit new heights yesterday as Toronto’s TSX suffered its second worst day ever.
The destructive effect on portfolios is dramatic, and many investors have to revisit their retirement plans. Fortunately, there are new and exciting solutions that will help ensure you do not outlive your money. In fact, a well constructed portfolio will help you dramatically reduce the risk to your retirement security. Tune in to Beyond Funds Market Weekly tomorrow, as I review the unique new ways to ensure you enjoy a secure retirement.
Have you outgrown your mutual funds?
For a review your portfolio, or a complimentary copy of my CD, visit, www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.
This program is for information purposes only. Fees, management fees, and commissions may be associated with mutual fund investing.
Investors should consult their prospectus before investing. Views expressed are those of the author, not Scotia Capital. ScotiaMcLeod is a division of Scotia Capital Inc, member CIPF.
The uncertainty of 2008 hit new heights yesterday as Toronto’s TSX suffered its second worst day ever.
The destructive effect on portfolios is dramatic, and many investors have to revisit their retirement plans. Fortunately, there are new and exciting solutions that will help ensure you do not outlive your money. In fact, a well constructed portfolio will help you dramatically reduce the risk to your retirement security. Tune in to Beyond Funds Market Weekly tomorrow, as I review the unique new ways to ensure you enjoy a secure retirement.
Have you outgrown your mutual funds?
For a review your portfolio, or a complimentary copy of my CD, visit, www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.
This program is for information purposes only. Fees, management fees, and commissions may be associated with mutual fund investing.
Investors should consult their prospectus before investing. Views expressed are those of the author, not Scotia Capital. ScotiaMcLeod is a division of Scotia Capital Inc, member CIPF.
Wednesday, November 19, 2008
How do I ensure that I don't outlive my money?
This is Jeff Wareham, ScotiaMcLeod Wealth Advisor, with some thoughts for investors outgrowing their mutual funds.
After a challenging year, one of the most common questions I hear is “how do I ensure I don’t outlive my money?”
The fall in your portfolio value is toughest if you are close to retirement. You may have to reconsider your options. There is little question the last few months may have impacted your plans, but with proper planning, we can find the right mix of investment solutions to minimize the risk of running out of money in retirement.
You really should explore your options. Now is the time to ask, have you outgrown your mutual funds?
For a review your portfolio, or a complimentary copy of my CD, visit, www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.
This program is for information purposes only. Fees, management fees, and commissions may be associated with mutual fund investing.
Investors should consult their prospectus before investing. Views expressed are those of the author, not Scotia Capital. ScotiaMcLeod is a division of Scotia Capital Inc, member CIPF
After a challenging year, one of the most common questions I hear is “how do I ensure I don’t outlive my money?”
The fall in your portfolio value is toughest if you are close to retirement. You may have to reconsider your options. There is little question the last few months may have impacted your plans, but with proper planning, we can find the right mix of investment solutions to minimize the risk of running out of money in retirement.
You really should explore your options. Now is the time to ask, have you outgrown your mutual funds?
For a review your portfolio, or a complimentary copy of my CD, visit, www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.
This program is for information purposes only. Fees, management fees, and commissions may be associated with mutual fund investing.
Investors should consult their prospectus before investing. Views expressed are those of the author, not Scotia Capital. ScotiaMcLeod is a division of Scotia Capital Inc, member CIPF
Monday, November 17, 2008
Costs associated with your mutual fund
This is Jeff Wareham, ScotiaMcLeod Wealth Advisor, with some thoughts for investors outgrowing their mutual funds.
Volatility continues to plague equity markets. In challenging markets, it is difficult to look at the details, but I encourage you to look into the costs associated with your mutual funds. Most mutual funds have not stood up well through the current market downturn. Canadians pay the highest management fees in the world, and the impact is pretty dramatic. Approximately one quarter of the long term return of equity funds is lost to management fees. Mutual funds definitely have their place, but I encourage you to consider if you are getting what you pay for.
Now is the perfect time to ask “have you outgrown your mutual funds?”
For a review your portfolio, or a complimentary copy of my CD, visit, www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.
This program is for information purposes only. Fees, management fees, and commissions may be associated with mutual fund investing.
Investors should consult their prospectus before investing. Views expressed are those of the author, not Scotia Capital. ScotiaMcLeod is a division of Scotia Capital Inc, member CIPF
Volatility continues to plague equity markets. In challenging markets, it is difficult to look at the details, but I encourage you to look into the costs associated with your mutual funds. Most mutual funds have not stood up well through the current market downturn. Canadians pay the highest management fees in the world, and the impact is pretty dramatic. Approximately one quarter of the long term return of equity funds is lost to management fees. Mutual funds definitely have their place, but I encourage you to consider if you are getting what you pay for.
Now is the perfect time to ask “have you outgrown your mutual funds?”
For a review your portfolio, or a complimentary copy of my CD, visit, www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.
This program is for information purposes only. Fees, management fees, and commissions may be associated with mutual fund investing.
Investors should consult their prospectus before investing. Views expressed are those of the author, not Scotia Capital. ScotiaMcLeod is a division of Scotia Capital Inc, member CIPF
11% swing in American markets
This is Jeff Wareham, ScotiaMcLeod Wealth Advisor, with some thoughts for investors outgrowing their mutual funds.
This market has reached new heights when it comes to volatility and uncertainty. North American markets swung by up to 11 percent during the day yesterday. It is pretty tough to make long term decisions in a market experiencing such short term uncertainty. Believe it or not, there were very encouraging signs in the market’s performance of Wednesday and Thursday. Tune in tomorrow at 8:30, as I discuss another challenging week, and look at planning for the long term in difficult market conditions.
Now is the perfect time to ask “have you outgrown your mutual funds?”
For a review your portfolio, or a complimentary copy of my CD, visit, www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.
This program is for information purposes only. Fees, management fees, and commissions may be associated with mutual fund investing.
Investors should consult their prospectus before investing. Views expressed are those of the author, not Scotia Capital. ScotiaMcLeod is a division of Scotia Capital Inc, member CIPF
This market has reached new heights when it comes to volatility and uncertainty. North American markets swung by up to 11 percent during the day yesterday. It is pretty tough to make long term decisions in a market experiencing such short term uncertainty. Believe it or not, there were very encouraging signs in the market’s performance of Wednesday and Thursday. Tune in tomorrow at 8:30, as I discuss another challenging week, and look at planning for the long term in difficult market conditions.
Now is the perfect time to ask “have you outgrown your mutual funds?”
For a review your portfolio, or a complimentary copy of my CD, visit, www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.
This program is for information purposes only. Fees, management fees, and commissions may be associated with mutual fund investing.
Investors should consult their prospectus before investing. Views expressed are those of the author, not Scotia Capital. ScotiaMcLeod is a division of Scotia Capital Inc, member CIPF
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