KNOW YOUR CLIENT: One of the basic tenets of individuals & firms who are registered with Canadian securities firms, such as broker-dealers and portfolio managers, is what is referred to as “Know Your Client“. KYC, as it’s commonly known, requires...
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Ian’s Financial Facelift Series – Episode 2
HighView Financial Facelift – Episode 1
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Return Of The Pension Investment Fiduciary
THE CHALLENGES: With the globalization of capital markets over the last few decades, there has been a marked increase in the range and complexity of investment opportunities available to investors. In fact, the array of investment options available today is virtually...
The Goldman Sachs Letter – Also A Canadian Issue
Yesterday, Greg Smith published his infamous Op-Ed article in the New York Times titled, “Why I Am Leaving Goldman Sachs“. In this article, Smith effectively states that Goldman Sachs has ‘lost it’s moral compass’ and puts its...
Four things to keep in mind in this low-rate environment
For those seeking a safe and dependable income source, today’s painfully low interest rates pose a real challenge. Bank of Canada Governor Mark Carney regularly reminds us that persistent low rates can be dangerous because they incent excessive borrowing. But...
The Flaws In Canada’s Financial Adviser System
OVERVIEW: Recently, in the Report on Business of the Globe & Mail, there was an article titled, The Flaws In Canada’s Financial Adviser System. This article stated that: “In the investing industry, the line between what’s best for the client and what’s...
Look past emerging markets bond funds’ sales pitch
I was quoted in a recent Globe & Mail article warning that higher yields available in emerging markets bonds (compared to Canada bonds) come with additional risk. Given that the investment fund industry has launched several emerging markets bond funds and...
Active or passive? Process, not politics, should drive choice of strategy
The National Post’s Jonathan Chevreau recently asked me and a few other financial professionals how we plan to invest this year’s tax-free savings account contribution. The way my reply was framed may have given a somewhat different impression than...
Should you hold bonds in taxable accounts?
An investor’s asset allocation strategy refers to how money is divided across different classes of investments – i.e. stocks, bonds and cash. An asset location strategy, however, drills down a level deeper and deals with “where” or in which accounts to hold your...
Does dollar cost averaging boost or hinder performance?
In response to many fee-bashing articles of late, I recently urged both the media and the investment industry to broaden the focus to not only fees but also other less obvious performance drags that are tougher to control. To explain one factor I stated that dollar...
Mutual fund critics missing the big picture
Every time markets bleed red, mutual fund investors and the media become much more price-sensitive. So it’s no surprise that print media have featured a barrage of anti-fee articles. (See the National Post on December 6 and the Globe & Mail December 5 and...
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