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ARTICLE ARCHIVE
10/24/2014 8:42:06 AM
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Opinions expressed in articles published on this site are solely those of the contributing authors and do not necessarily represent the views or opinions of The Fund Library, its staff or affiliates.

 

Financial Education
By Knowledge Bureau | Tuesday, October 21, 2014
TAX PLANNING FROM THE KNOWLEDGE BUREAU



By Evelyn Jacks

Income splitting and possible higher limits to Tax-Free Savings Accounts (TFSAs) could make a big difference for Canadians families, reducing tax on income both today and in the future when retirement income is drawn completely tax free. It will all depend on how the final legislation is written and whether the government is elected to implement the plan. But because this is an election issue, it’s important that the significance of the potential double gift – income splitting and new TFSA limits – is not lost in the rhetoric.

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Fund Library News
By Fund Library News Wire | Friday, October 17, 2014

Growth fears and plunging commodity prices contributed to a frenzied selloff last week. But the steady stock market decline since the beginning of September took a breather on Friday, as market rebounded and trimmed weekly losses. With pressure from the energy sector, Toronto’s S&P/TSX Composite Index was the only major North American index to crack the correction threshold, as Thursday’s intraday low of 13,646.79 was 13% below September’s high of 15,685, more than the 10% drop that’s usually classified as a correction.

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THE ETF INVESTOR
By Tyler Mordy | Thursday, October 16, 2014

When Q Magazine questioned R.E.M.’s lead singer about the lyrical density of his 1987 hit single, “It’s the End of the World as We Know It (And I Feel Fine),” Michael Stipe responded by saying, “The words come from everywhere. I’m extremely aware of everything around me, whether I am in a sleeping state, awake, dream-state or just in day to day life.” Our investment committee’s cerebral activity – both of the conscious and unconscious variety – has also been more active of late. Of course, the subject is different (and does not have a hip drummer and bass player to back our musings).

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DUE DILIGENCE
By Dave Paterson | Wednesday, October 15, 2014

The RBC North American Value Fund has proven to be a strong performer over the longer term, despite its $2.1 billion large-cap asset base. That’s mainly because the team of Stuart Kedwell and Doug Raymond manage the fund using a multi-stage portfolio construction process that incorporates both quantitative screening and fundamental, bottom-up analysis with overall portfolio allocation deriving from the rigorous stock selection process rather than an attempt to predict macroeconomic trends.

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INVESTMENT INSIGHT
By Patrick McKeough | Tuesday, October 14, 2014
 

Frequent portfolio turnover is a drain on your profits, so most of your investments should be ones you want to hold on to indefinitely. Investors often wonder how often they should sell investments they own and buy new ones. Our answer: as rarely as possible. That’s because portfolio turnover cuts into your profit.

Every time you buy and sell a stock you face three costs:

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DUE DILIGENCE
By Dave Paterson | Wednesday, October 08, 2014

It’s been just over two years since Michael Simpson took the reins of the conservatively managed Sentry Conservative Balanced Income Fund, and performance has been very strong. While Mr. Simpson takes care of the equity sleeve, co-manager James Dutckiewicz has managed the fixed-income portion of the fund since May 2012.

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TAX PLANNING
By Samantha Prasad | Tuesday, October 07, 2014

In the search for higher yield from investments, investors have turned to such things as monthly income funds and income trusts, structured notes, and capital class fund units, among others. But investment income almost inevitably attracts a tax bill. Here are some tips on how to cut the bill.

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Fund Library News
By Fund Library News Wire | Friday, October 03, 2014

Stock markets rallied on Friday following a strong U.S. jobs report. But the advance wasn’t enough to offset an overall weekly loss for the big North American indexes. The S&P/TSX Composite Index retreated -1.6% on the week, while the S&P 500 Composite Index posted a 0.8% loss.

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DUE DILIGENCE
By Dave Paterson | Wednesday, October 01, 2014

When looking for a TSX-listed U.S. equity exchange-traded fund, two of the most popular are the iShares Core S&P 500 Index ETF (CAD-Hedged) (TSX: XSP), and the iShares U.S. Fundamental Index ETF (TSX: CLU). The question is whether there is any advantage to owning the higher-cost CLU over XSP. In this case, the extra basis points might just be worthwhile. It all boils down to the fundamentals.

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ADVISOR’S PERSPECTIVE
By Bruce Loeppky  | Tuesday, September 30, 2014

Driven by the aging Baby Boomer demographic, some strong currents are having huge implications for retirement planning in Canada and the U.S. Everything from investment returns, to healthcare, to quality of life will be affected. If you’re not even slightly nervous, then you probably already have a sizeable nest-egg, and a workable retirement plan, including health and care contingencies as you age. But if this doesn’t describe you, then you’re probably suffering from retirement anxiety syndrome. But read on. You might still have time to get on the right track for retirement planning.

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INVESTMENT INSIGHT
By Patrick McKeough | Monday, September 29, 2014

Foreign investments can give your portfolio greater strength and diversity. But there is a higher degree of risk involved than investing in North America. We recommend three ways you can profit from foreign investment with less risk.

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Fund Library News
By Fund Library News Wire | Friday, September 26, 2014

Stock markets rebounded from Thursday’s steep drops, which saw the big indexes post some of the largest one-day losses since July, as geopolitical concerns once again surfaced as a lightning rod for investor anxieties. That turned around somewhat on Friday with news that second-quarter U.S. gross domestic product rose at its fastest pace since 2011, which didn’t pull markets out of the red for the week, but certainly helped cushion what would have otherwise been a bruising loss.

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Financial Education
By Knowledge Bureau | Thursday, September 25, 2014
TAX PLANNING FROM THE KNOWLEDGE BUREAU
 

 

By Evelyn Jacks

As of July 2013, recipients of federal Old Age Security (OAS) can elect to defer taking their OAS pension for up to five years. This would provide for a larger pension then. But there are some fairly strict rules and deadlines you must adhere to if you wish to do this.

For those who have already started to receive their Old Age Security, you must make the decision to defer within six months of your start date. After this, you can’t change your mind and decide to defer your pension.

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INSURANCE
By Susan Yates | Thursday, September 25, 2014

There is an abundance of life insurance agents, companies, agencies, and brokers to choose from. One estimate puts the number of licensed agents in Canada at about 100,000. That’s a lot of agents. Last time, I looked at how agents are licensed and registered. But when it comes to choosing who’s best for you, it can help if you understand a bit about how the industry has established its sales channel.

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DUE DILIGENCE
By Dave Paterson | Wednesday, September 24, 2014

The Dynamic Strategic Yield Fund is a relatively new balanced fund that is managed by Dynamic's team of Oscar Belaiche and Michael McHugh. It invests in a mix of stocks and bonds with the objective of generating a total return that is a mix of yield and long-term capital growth. It pays investors a monthly distribution of $0.0584 a unit, which works out to an annualized yield of about 4.6%.

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THE ETF INVESTOR
By Tyler Mordy | Tuesday, September 23, 2014

In the world of investing, as in life, the trick is not to repeat the same mistakes. Yet even professional professional portfolio managers regularly fall into the traps of linear extrapolation, the itchy trigger finger, and “group think.” Where might these traps lie today? China may provide one a good example, with bulls seemingly near extinction and bear sightings much more common.

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Fund Library News
By Fund Library News Wire | Friday, September 19, 2014

Sliding commodity prices weighed on Canada’s metals and mining, gold, and materials sectors, pushing the S&P/TSX Composite Index to a weekly loss of -1.7%. U.S. and global markets, however, gained on the week as risk-aversion faded following the decisive 55% “No” vote in Thursday’s Scottish referendum on separation from the United Kingdom. The blue-chip S&P 500 Composite Index advanced 1.3% on the week, after backing off from another record high on Friday.

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The Analyst’s Desk
By Maria Fernanda Parra | Thursday, September 18, 2014

Emerging market (EM) equities as an asset class are often one of the most misunderstood investment classes of all. For one thing, they represents investments in a very diverse set of countries unknown to many institutional and novice investors. Their diversity is reflected in the many classifications that analysts have created to group similar countries based on criteria such as size, growth, population, and even capital markets development. But the EM asset class has fallen out of favor. Is it ready for a comeback?

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DUE DILIGENCE
By Dave Paterson | Wednesday, September 17, 2014

After stepping down from his post at Claymore Investments in April 2012, it was only a matter of time before Som Seif returned to the investment industry. Last year, he launched Purpose Investments, a fund company that offers a small family of competitively-priced mutual funds and exchange-traded funds (ETFs). Here’s a look at the Purpose offerings.

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THE FUND INSIDE
By Olev Edur | Tuesday, September 16, 2014

The past several years have been as tough on the Chinese investment front as on any other region, with many mixed signals having emanated from that market since 2008. But Kenrick Leung, portfolio manager at Amundi Hong Kong, which sub-advises the Renaissance China Plus Fund offered by CIBC Asset Management Inc., believes better times are ahead.

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