Reblogged from Brintab As winter gave way to spring we began to hear more and more that the tightening effect of higher interest rates is showing up in various parts of the economy. There have been reports of weaker markets…
Category: Investment
Commentary July 2024 – Getting through Indigestion
Posted in Asset Allocation, Financial Planning, Investment, Uncategorized Tagged with: bonds, capital gains, currencies, equities, interest rates, stock market cycle
Commentary April 2024 – Getting through Indigestion
Reblogged from Brintab This winter we witnessed coping with foggy economic conditions in various parts of the world, from China to the Middle East, Ukraine, and North America. Not to say things were dire per se, but we waited…
Posted in Asset Allocation, Financial Planning, Investment, Risk Management, Tax, Uncategorized Tagged with: bonds, currencies, equities, preferred bonds
Commentary October 2023 – Ready for a Turn
Reblogged from Brintab This summer into fall, markets have been fixated on the economic “soft landing” narrative and the notion of rates being higher for longer. It is true that circumstances have made it tougher than in past cycles to…
Posted in Asset Allocation, Financial Planning, Investment, Risk Management, Tax, Uncategorized Tagged with: bonds, canadian dollar, canadian exchange rate, currencies, equities
Commentary July 2023 – Déjà vu from 2000
Reblogged from Brintab Corp. The first quarter of 2023 had markets driven most dramatically by US interest rates, their repercussions, and whether the US Federal Reserve would pivot from an interest rate increasing phase to an interest rate decreasing phase.…
Posted in All Archives, Asset Allocation, Investment, Risk Management Tagged with: bear market, bonds, business cycle, canadian dollar, contrarian, correction, Counter-cyclical, currencies, economic cycle, equities, exchange rate
Commentary April 2023 – Will the Fed Pivot
Reblogged from Brintab Corp. The first quarter of 2023 had markets driven most dramatically by the US interest rates, their repercussions, and whether the US Federal Reserve would pivot from an interest rate increasing phase to an interest rate decreasing…
Posted in All Archives, Asset Allocation, Financial Planning, Investment, Risk Management, Uncategorized Tagged with: bonds, business cycle, canadian dollar, correction, Counter-cyclical, currencies, economic cycle, equities, exchange rate, investing, investment, investment strategy, long term bonds, long term investment, market correction, pullback, recession, stocks, volatility
Commentary January 2023 – Applying the Brakes Worked
Reblogged from Brintab Corp. As summer led to fall wild rebounding growth began to yield to taming. Markets were somewhat pulled back into line to begin to reflect a more conventional reality. Since investment markets tend to anticipate and “front…
Posted in Asset Allocation, Investment, Risk Management, Uncategorized Tagged with: duration, Japanese Yen, long bonds, USD/CAD
Commentary October 2022 – Interest Rate Increases Start Cooling the Economy
reblogged from Brintab.com During the summer we saw the first shoots starting to appear of interest rate increases reducing the extreme intensity of inflation and thus beginning to cool off the economy. More fading of high single digit inflation is…
Posted in All Archives, Asset Allocation, Financial Planning, Investment, Risk Management, Uncategorized Tagged with: bear market, bonds, business cycle, canadian dollar, contrarian, correction, Counter-cyclical, currencies, economic cycle, equities, exchange rate, investing, investment, investment strategy, long term bonds, long term investment, market correction, market timing, prudent portfolio, pullback, recession, stocks, value investing, volatility
Commentary July 2022 – Central Bankers Start Taking Inflation Seriously
reblogged from Brintab Corp. This quarter, as inflation continued to thrust forward, the US Federal Reserve aggressively raised interest rates to try to get their inflation-busting measures back on track after being caught off-guard earlier in the year. The only…
Posted in All Archives, Asset Allocation, Financial Planning, Investment, Risk Management, Uncategorized Tagged with: bonds, business cycle, canadian dollar, currencies, economic cycle, interest rates, stock market cycle, stocks, tlt, tlt etf
Commentary April 2022 – Inflation Goes Into Overdrive
Reblogged from Brintab As the developed world navigated past the Omicron virus wave, various factors lengthened and/or accelerated the inflation we once hoped would be transitory. On the economic demand-growth side, various economies saw increased consumer activity, especially in leisure…
Posted in Asset Allocation, Financial Planning, Investment, Risk Management, Tax, Uncategorized Tagged with: bonds, canadian dollar, covid19, currencies, equities, exchange rate, pandemic, preferred bonds
Commentary January 2022 – Digesting Omicron and Persistent Inflation Impact
Reblogged from Brintab Commentary January 2022 – Digesting Omicron and Persistent Inflation Impact There were many winds washing through the markets in the months leading up to the New Year. Hence it was a tumultuous time. To name a few: The…
Posted in Financial Planning, Investment, Risk Management, Tax, Uncategorized Tagged with: bonds, canadian dollar, covid19, embridge, equities, exchange rate, fairfax financial, pandemic, preferred bonds
Commentary October 2021 – Beyond Delta
reblogged from Brintab This summer’s markets were initially driven primarily by concern regarding the potential impact of the Covid Delta variant worldwide. As summer turned to fall the Delta variant’s fade gradually became clear and the dominant factor shifted to…
Posted in All Archives, Asset Allocation, Financial Planning, Investment, Risk Management, Uncategorized Tagged with: canadian dollar, delta, long term bonds, rogers, snowbird
Commentary July 2021 – Assessing Economic Progress
Reblogged from Brintab.com With the gradual reopening of businesses post-Covid, we are seeing glimmers of hope regarding the economic recovery. Still, the pandemic created chaos that continues to settle out bit by bit. There were changed buying habits, pent up…
Posted in Financial Planning, Investment, Risk Management, Tax, Uncategorized Tagged with: bonds, canadian dollar, covid19, enbridge, equities, exchange rate, fairfax financial, pandemic, preferred bonds
Commentary April 2021 – A World Refocusing
Reblogged from Brintab.com As the winter progressed, markets were driven more than anything by increasing signs of successful vaccine rollout and hence risk reduction in the global economy. Early in the quarter markets bounced around a bit but the month…
Posted in All Archives, Asset Allocation, Financial Planning, Investment Tagged with: capital goods, Counter-cyclical, prudent portfolio, Rogers Communications, Shaw Communications
Commentary January 2021 – Coping with the Froth
Reblogged from www.brintab.com This fall we saw mostly continuation of trends from the summer best described as splitting of the investment world. The prospects of a Covid19 vaccine and US government spending triggered major shifts in currency and certain stocks…
Commentary October 2020 – a touch of rationality
Reblogged from Brintab.com After markets recovered this spring from the worst of the pandemic impact, the summer was a season of optimism, perhaps misplaced optimism, while a little bit of realism arrived with the coming of fall. There will likely…
We’ve just witnessed the stock market’s echo, echo, echo!
Reblogged from brintab.com The echo has arrived. Over the course of the spring and summer I have often talked about how most major stock market pullbacks are followed by a rise up and then a second pullback. That second pullback…
Rainmaker or Storm-maker? Is this roller coaster coming from Trump?
Reblogged from First Sovereign Investment Management Recently we in the investment world have been coping with the uncertainty related to the combative trade negotiations between the USA and China. When faced with the Trump regime’s caustic approach to trade negotiations,…
Posted in All Archives, Investment, Risk Management Tagged with: business cycle, economic cycle, investment strategy, long term investment, market timing, value investing, volatility
Market pullbacks
Reblogged from: First Sovereign Investment Management In the past couple month, the increased volatility of investment markets has led two clients to write to get my sense of the market situation and how/if we should react to that. With the…
Posted in Financial Planning, Investment, Risk Management Tagged with: bear market, contrarian, correction, market correction, pullback, recession
Real Estate Capital Gains Tax: Budget 2017
What’s your game plan for winding down your Capital Gains tax liability? Yesterday Canada’s Finance Minister presented the government’s latest budget. there had been many fears about the potential increase of capital gains taxation. To do so would not only…
Posted in Estate Planning, Financial Planning, Investment, Risk Management, Tax, Uncategorized Tagged with: capital gains, condo, cottage, hobby farm, investing, investment, Real Estate, tax, taxation
Cumulative TFSA Contribution Limit
Even though the TFSA has now been available for several years, its potential is still untapped by many Canadians. We are now at the point where cumulative contributions can make a very meaningful component of a retirement strategy. Here are…
Posted in Estate Planning, Financial Planning, Investment, Tax Tagged with: contribution limit, over contribution, overcontribution, tax free savings account, TFSA
Is 4% an Unsustainable Withdrawal Rate
Historically, 4% was thought to be the withdrawal rate the average portfolio could withstand on a long term basis without eating into capital. Recent research indicates that in today’s lower investment return environment, maybe that’s no longer sustainable. We all…