Our Financial Path.

Live a Better Life with Knowledge and Financial Independence

Category: Investing (page 1 of 3)

Your First Step to Financial Freedom

This is a re-edition of our original post posted on March 20th, 2016.

 

If you are like us and you want to achieve financial independence, you need to know where your money is going and you need to know how you are investing your hard earned dollars. We highly suggest you use the best online tool available today and sign-up for free with Personal Capital.
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When it Will Fall

The next big hit might come tomorrow, next month, next year, no one knows. Anyone who does claim to know is simply playing a probabilities game until he or she gets it right. In other words, it is luck.

Jim Cramer for example, the famous host of Mad Money, shares stock picks every night but these stocks only returned 64.53% over the last 15 years (2001 to 2016) compared to 126.06% for the S&P 500 over the same period.
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How Efficient is your Portfolio?

With high market valuations and an ever-lasting bull market, one might get scared to invest in equities (stocks) and stay on the sidelines. We are not and continue to hold an aggressive portfolio of low-fee index funds (see our actual holdings). Over the long-term, the market has historically greatly rewarded equity investors but there is a balance to be found.
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BMW is Your Secret to Early Retirement

Everyone has to start somewhere. No one is born a financial genius, nor does everyone have an interest in their personal finances. We all have dreams, goals, bills, and expenses. Personal finance is exactly that; personal.

From a young age, children see their parents swipe those magic plastic cards that let you take anything from stores. They then learn how the bank of mom and dad can pay for the movie nights and new shoes.
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A Wealth of Happiness

Here’s a radical thought for retirees-to-be: Instead of obsessing over how to squeeze every last drop of return from your investment portfolio, think instead about how to generate the greatest amount of happiness from your accumulated wealth. – Ian McGuagan

 

I was pleased to read this recent article in The Globe and Mail that started with the amazing sentence above.
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Will you Survive Retirement?

Over the years, prosperity rose, quality of life improved, and life expectancy increased drastically. Life expectancy in 1900 was only 46.3 years old for men and 48.3 years old for women while just fifty years later in the 1950s, it was up to 65.6 years old for men and 71.1 years old for women. Nowadays, the probability for a baby boomer to live through his or her 80s is almost half.
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Socially Responsible Investing

In recent years, socially responsible investing, or ethical investing, has quickly gained momentum.

Also coined as impact investing and sustainable investing, socially responsible investing considers the environmental impact, social implications, and corporate governance to select where and how to invest while having a positive societal impact.

 

“More recently, you’ve had very sharp uptick,” Peters said. From the beginning of 2012 to 2014, SRI assets in the U.S.


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Open Book – New Job and New Investments

This is part of our Open Book series, you can start here if you did not read our first post.

 

It is a new beginning. After months of research and over two dozen interviews, I am proud to announce that I finally found a new job.  I applied to at least a hundred positions online and received multiple offers from some of the biggest companies in Canada.
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How to Choose a Home?

Shopping for a house was a huge consideration for us and it should be one for anyone in the process of moving since it is likely the biggest purchase one will make in his life. Buying too little might not be wise, just like buying too big might not be wise. Depending on your location and plans, renting might be the optimal choice rather than buying and living slightly further from work might be better than living downtown.
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Advice is Costing You

Whether through mutual fund management fees or financial advisor fees, active investing is costing a lot to the average investor. It is no wonder that more and more assets are flowing towards index funds!

 

Investors wasted more than $100 billion over the last decade on expensive advice. – Warren Buffett

 

Over time, the 1 or 2 percent fee charged by money managers really compound to large sums.
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