The world keeps on stumbling from one crisis to another. United Kingdom’s decision to quit the EU adds another dimension to the negative interest rate world that we live in. Stay Conservative. Stay Alive. Live to Fight Another Day !
Although advice given by stock market experts on TV is well-meaning and sincere, randomly created portfolios from top-picks of TV experts, fail to outperform the S&P/TSX 60 total return index. We conclude ANTYA’s low-cost asset allocation service is a much better option.
Lost in the incessant din of real estate appreciation and slower economic growth is the stark choice faced by retirees; a trade-off between capital preservation or self. Younger generation please pay attention.
Budget 2016 highlighted very clearly that real income of 90% of Canadians has grown at less than 1% for 30 years. Thus fiscal initiatives will assist in mitigating some of the challenges facing a vast majority of Canadians.
“The Committee expects that economic conditions will evolve in a manner that will warrant only gradual increases in the federal funds rate; the federal funds rate is likely to remain, for some time, below levels that are expected to prevail in the longer run.”
In 2015, amid plunging oil prices and a strengthening U.S. dollar, the S&P 500 Index delivered a total return of 1.38%. Nonetheless, in 2015, 66.11% of large-cap equity managers, under-performed the S&P 500.
While active equity or bond management doesn’t stand discredited, enough academic and rigorously research quantitative evidence exists, that asset allocation and low-costs are much more favourable for the small investor. Although active stock picking is definitely a placeholder for great conversation, and may have a place in a diversified and much bigger portfolio (portfolios greater than $1 Million) most investors are well served with ANTYA’s low cost Astute Asset…
In my view, Canadians will be better served via more competition and lower investing costs compared to anything else that the regulators/policy makers could propose. I believe that lower management fees, which enable investors to keep more of their accumulated and contributed capital, are a very important solution to the retirement savings conundrum and/or debate in Canada. In this instance, “A dollar saved is a dollar earned”, is not…
In our first issue, we discuss the contribution of asset allocation to portfolio performance and highlight that in the long-term, a portfolio comprising a judiciously chosen set of assets is more valuable, than actual stocks or bonds underlying those asset classes.