Are you really getting good value when you spend your money? The enjoyment from some discretionary purchases will last for many years, while in other cases (travel, dining out and alcohol) the enjoyment is quickly gone. To get the greatest value for your money you...
Media Hub
Videos
Ian’s Financial Facelift Series – Episode 2
HighView Financial Facelift – Episode 1
Founding Principles – HighView
Blogs
The Piggy Bank vs The Pay Cheque
OVERVIEW: One of the challenges that many affluent families face is establishing a regular cash flow payment structure for family members, which I refer to as ‘The Family Pay Cheque’. Specifically, often after the sale of a business, the successful...
Industry risk rating failing investors of floating rate note funds
Floating rate note (FRN) funds are gaining in popularity because of their marketed ‘promise’ to protect capital during periods of rising interest rates. In Canada since the mid-2000s, FRN funds invest mainly in corporate loans bearing a...
Predictions, Stocks Markets & the Weather Rock
I had the pleasure of dining with a group of friends recently at one of the fine wineries along Lake Erie. Near the entrance was a rock hanging from a chain – i.e. a “weather rock”. One of our friends explained how it works. When it’s wet,...
Stock pickers’ markets a myth for retail investors
Whenever the notion of a volatile sideways market bubbles up among portfolio managers, they claim indexing will fail in comparison to active stock selection. In other words, portfolio managers argue that trendless volatility is ripe for active management skill to...
This fund is unlikely to sustain its newly-lowered monthly payout
I have been writing articles in the public domain for more than 13 years. No series of articles has generated more interest or feedback than my many critiques and analyses of monthly income fund and assessing distribution sustainability. Below is an edited version...
The active passive investor
Many years ago an investor’s default investment strategy – in the absence of an advisor’s involvement – was to invest in GICs or Canada Savings Bonds. Today, the more affluent investor’s default strategy is – increasingly –...
A sense of history will help to interpret small cap return rankings
When asked recently to examine a portfolio manager’s track record, I was reminded of how careful one must be with performance rankings. In this case, I was assessing the strong five-year run of a Canadian Small/Mid Cap Equity manager. It didn’t take long...
BMO reins in fund distributions
I have been writing about monthly income investment funds for nearly a dozen years, putting their distributions to the test and highlighting such funds’ mythical tax advantages. Over the past two years, I’ve been particularly critical of the BMO Monthly...
The upside of manager turnover
When key people leave a money management firm, it is often cause for concern – particularly when key personnel leave in packs. While one of my older blog posts laid out a framework for dealing with changes in lead managers, it’s also helpful to recognize...
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