December 28, 2008 Hot Off The Web 2008:Annus Horriblis, dressing up your funds for year-end report,funding retirement living, doing without our car??? underfunded pension plans due to disputes over plan surplus-NOT! investors at the bottom of the food chain, Nortel sale/bankruptcy? from Wall Street to Bangladesh.
December 21, 2008 Hot Off the Web Ponzi scheme warning signals, Bernanke and Deuteronomy solutions to the financial crisis, Rob Arnott's opportunities in today's market crisis, Nortel bankruptcy soon?
December 14, 2008 Hot Off the Web Rebalancing and asset allocation after the deluge, timely tax-loss selling, 25% off on RRIF? fixing 401(k)s, lessons from 2008 disasters, Nortel bankruptcy? pension impact of bankruptcy, family business with aging parents during holidays.
December 7, 2008 Hot Off The Web Pensions (flawed, individual stories, lagislative changes coming? corporate earnings impact and litigation), got fired? buy that first house? portfolio ETFs, variable annuities (Not), long-term-care policies.
November 28, 2008 Hot Off the Web Repeating the "lost decade", the "great depression" and "deleveraging, deflation, depression"? benchmarking, deflation? proposed pension relief for companies and RRIFs, silver rather than green cards fro retirees, Ontario Expert Commission on Pensions recommendations.
November 2, 2008 Hot Off the Web Corporate pension relief? RRIF/IRA withdrawal holiday, real estate down again, stocks cheap? annuity concerns, returning to work, PPN troubles, cheaper fundamental index ETF, inflation-deflation-depression or watch for recovery signals, financial crisis readings.
October 26, 2008 Hot Off the Web Losing funds with taxable distributions, ill winds for pension- but pension light in B.C.? advisor trouble, safe havens: GICs? gold?, Boomer bust, Bear Book, capitulation, advice from "smartest man", insurers hat-in-hand.
October 19, 2008 Hot Off the Web Deflation or inflation, estate planning opportunities? what now? dividend stocks?, defer taxes on gains, Jack Bogle.
October 12, 2008 Hot Off the Web What's going on, historical comparisons and lessons, switch to cash? Canadian DB pensions in serious deficit!
October 5, 2008 Hot Off the Web Courage for stocks, retirement boot camp, set risk at need-not greed, U.S. real estate swoon continues- is Canada next? real estate bottom- are we there yet? online real estate auction, tax loss selling
September 28, 2008 Hot Off the Web Market in crisis-what can you do: delay retirement, work part-time, power of just one extra year of work, retirees need only 60% of pre-retirement income??? (Not!), excessive employer stock, impact of employer bankruptcy.
September 21, 2008- Hot Off the Web Prescriptions for a manic market: spend less, save more, reduce debt, (get and) stick to financial plan, don't panic sell, take risk consistent with: ability-willingness-need, diversify and if appropriate do some tax loss selling. (P.S. Working longer is very helpful too)
September 14, 2008 Hot Off the Web Portfolio safety measures, cash for future participation in home appreciation? don't flee now, Florida farce continues.
September 7, 2008 Hot Off the Web Increase retirement income by working longer, Harvard's asset allocation outperforms, PIMCO ETFs coming, inflation or deflation?, withdrawals hit hedge funds.
September 1, 2008 Hot Off the Web Flaws in managed payout products (Not), Florida housing swoon continues, updating your will, vacation home a good investment? future retirement income products, senior bankruptcies up in the U.S.
August 24, 2008 Hot Off the Web Innovative asset allocation for DC pension plans, new Emerging Asia ETF, rising Socoal Security age? U.S. 'fiscal gap' will lead to meltdown, Is this really a tax-cut? Is saving for college a priority? Will your insurer pay your annuity? South Florida housing pain continues.
August 17, 2008 Hot Off the Web Are companies' DB pension contributions enough? Wall Street wants to manage to DB pension plans assets, is inflation relevant in long-term equity valuation? A better way to extract cash from your home than reverse mortgages?
August 10,2008 Hot Off the Web Where is Jonathan Clements? indicators for a real estate bottom, retirees' income sources, 401(k) plans gone bad, ETN pro/cons, increasing retirement age, equity indexed annuities, when is it safe to tell your boss to drop dead?
August 3, 2008 Hot Off the Web Umbrella policies, ETF shakeout, undesireable alternative investments, advisor's role in rough markets, signs of market bottom? GIC's downside, websites for your consideration.
July 27, 2008 Hot Off the Web Alpha sources, is money safe with U.S. brokers and banks? simple online estimator of Social Security, advisor issues, sector ETFs, target-date ETFs, fixed allocation ETFs, RRSP and 401(k) improvements.
July 20, 2008 Hot Off the Web How to respond to swooning markets, scrap RRIF minimums, TFSAs good in many circumstances, longevity insurance is better than traditional annuities and GMWBs.
July 13, 2008 Hot Off the Web Bear market old news- meltdown is good(?), variable annuities a lose-lose proposition? retirement calculators, higher taxes in 2009, TIPS inadequate inflation protection, real estate bottom? beach books.
July 6, 2008 Hot Off the Web Surviving swooning markets, some ETFs on their deathbed, rough patch ahead, currency and inflation, withdrawal rates in retirement, scams ahead!
June 29, 2008 Hot Off the Web Active underperformance (again), funds not good enough for their managers' money, inflation, pension class action, heresies, asset allocation with ETFs, indexing the world.
June 22, 2008 Hot Off the Web Cure for the Ed McMahon problem, advice and cost for living longer, cash for your life policy, ETFs rated, effective tax strategy with Universal Life?
June 15, 2008 Hot Off the Web Bulletproofing your nest-egg, bad behaviour will cost you, new Milevsky book, housing ETFs.
June 8, 2008 Hot Off the Web Assets to income, rate-reset preferred, parasitic PPNs, ETFs a growing problem for mutual funds, inflation and interest rates, pension reform.
June 1, 2008 Hot Off the Web Call for pension reform, real(?) state of Florida's housing market, picking advisors, long-term asset allocation, where do you spend your money?
May 25, 2008 Hot Off the Web Retirement plan check-up, portfolio risk, inflation decreasing? Rent or buy in Miami? Roth IRA/TFSA for people in the 60s? Fund Fee Index, How much do you really need in retirement?
May 18, 2008 Hot Off the Web Rebalancing act, fee-only advisor, ETFs, employer pension plan? black swan? rising interest rates? portfolio protection, condo collateral damage, Florida snowbirds' property tax update for CSA readers.
May 11, 2008 Hot Off the Web Principal Protected Notes(PPNs), popularity of mutual funds, stages of retirement, target-date funds' risk, timing renvestment of $45B, regulators in cahoots with fund industry? private pension sector unravelled.
May 4, 2008 Hot Off the Web Inflation, market players' usually fail, advisors: fiduciary and fee-only, bell curve shortcomings, "call it work".
April 25, 2008 Hot Off the Web Fee-based vs. fee-only advisors, new books on planning and taxes, exercising employee stock options, pension fund losses, emerging market investments, volatility and return, fixed vs. variable asset allocation with age, estate planning.
April 18, 2008 Hot Off the Web Active ETFs, fee-based advisors, financial regulation.
April 13, 2008 Hot Off the Web Organize your docs and planning for women, pension splitting, geriatricians and the crisis of age, strategies for the worst case scenario, ETFs on the move, "if it looks too good to be true...", what money can buy you, Yahoo ETF screener.
April 6, 2008 Hot Off the Web Falling housing and equity prices in the U.S. delay retirement, standardized assumptions are needed in pension fund liability calculations, (more) equities in retirement portfolios, (regretably) parting suggestions from Jon Clements.
March 30, 2008 Hot Off the Web Retirement "timing risk", Barclays going after mutual funds' lunch, ABCP mess, reach for yield at your our peril, annualized comprehensive wealth, FP's Tax Centre, more on IncomePlus, Snowbirds beware in Florida.
March 23, 2008 Hot Off the Web Investment tips and pitfalls to help navigate current market turmoil, packaged funds (wraps) to be avoided, African index, risk vs. uncertainty, will hedge fund industry survive?
March 16, 2008 Hot Off the Web Inflation and income of seniors, long-term-care, online annuities, firing your adviser, online resources for fixed income.
March 9, 2008 Hot Off the Web portfolio asset allocation, costly mistakes, 90+% Canadian funds trail the index, commodity ETNs, double losers in PPNs, lack of investor education.
March 2, 2008 Hot Off the Web Inflation dangers, new Tax-Free Savings Account (TSFA), are AARP products good for you?, Canadian advisors
February 24, 2008 Hot Off the Web Taxation of options, ETF based model portfolios, to accept or not that buyout package, worker can sue over 401(k) losses, another way to participate in the agricultural boom.
February 17, 2008 Hot Off the Web Male/female investment flaws, new Canadian fixed income ETFs, better contribute to your RRSPs, your home is not your retirement plan, real estate blues and southern opportunities(?), people changing your retirement.
February 3, 2008 Hot Off the Web Checklists, T class funds, advisor options, new low-cost Canadian funds.
January 27, 2008 Hot Off the Web What to do when all around you are in panic...stay cool!
January 20,2008 Hot Off the Web Credit defaulft swap crisis, recessions, nest-egg protection in volatile times, target date funds.
January 13, 2008 Hot Off the Web New Canadian income replacement funds from Fidelity, auto-enrolment may not be enough for secure retirement, viatical settlements in Canada?, questions to ask your surgeon, money is not enough.
January 6, 2008 Hot Off the Web Steady (not stable) income for retirees without annuitization, agri-investment opportunity, required assets for retirement, boomers' retirement impact on on the markets.