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October 28, 2009 Hot Off the Web Mutuals out- ETFs in, expensive TIPS, target-date guarantees? Real estate: US up but foreclosures loom- Canada in bubble, FL Save Our Homes in court, Canada's pensions: Quebec relief- Ontario constipated and federal pretend relief, Smithers' views, yield and other bubbles, deflation is better? emerging East, pension at 70?

 

October 21, 2009 Hot Off the Web ETFs, fees, gold, 401(k)s back at 2007 levels-with contributions, trust your advisor?, variable annuities even worse, Canada's pension disaster, a few good reverse mortgages, death bonds, 'regulatory capture', Nasdaq vs depression market.

 

October 16, 2009 Hot Off the Web Stock risk, hedging, bonds, alternative assets, real estate: Canada booming while US bust continues, pension crisis continues but Mercer thinks Canada is #4 best in the world, ungrateful undead, hedge fund misrepresentation, active vs passive, having it all.

 

October 9, 2009 Hot Off the Web The problem MER or HST? asset allocation only free-lunch, target-date, financial planning or selling? ETF resources, covered call instead of bonds? case for BIA changes: Mr.Z the $12M man, new retirement plan, keep on dancing, supply and demand, distribution costs, risk management, 'closet indexing' out? madness of mobs, stocks for the long-run.

 

October 2, 2009 Hot Off the Web "Enough", SS surprise, deadly sins, currency bets? income split, pension protection, pension problems, US and Canada housing indexes, housing affordability index, new risk mitigation, finance theory? emerged markets, $1T cash!

 

September 25, 2009 Hot Off the Web Yield stretch? passive investing,fee backlash, only GICs? pay-off mortgage, Barclays proxy voting, Ford:pension regulatory failure! UK pension relief, stocks risky even long-term, pension LDI, RE: Toronto booming, US sales off, FL no bottom but property taxes rates up; dark pools, finance bad for innovation, 10 years of lessons, evolving suburbia, elder care.

 

September 17, 2009 Hot Off the Web Buy and hold, falling US$-so what? DIYs, ruthless math, rebalancing, smarter than last year? Vanguard in Canada? sue your advisor? pension reform? new real estate era, financial cancer, gold bull/bear? Ontario vs mutual fund industry?

 

September 10, 2009 Hot Off the Web Index funds win, sitting tight, options, bell curve, protection, online broker, pension crisis, fewer retiring, Florida exodus, foreclosure, deadbeats, me landlord? conflicting messages, inflation or deflation, forecasts? ratings=free speech? retribution.

 

September 2,2009 Hot Off the Web Fiduciary,

withdrawal strategies, what matters, red light? ETFs, fees, advisor's advisor, OBSI alert, FL property tax, consistent vs. rational, American crybabies, loan-sharks, pension reform, Saudi emplyee protection, IRS wants $3B. 

 

August 26, 2009 Hot Off the Web Target-date, Otar's book, commodity ETFs, health insurance alternative? investing psychology, ETFs, Nortel pension, US/Can house indexes up, Florida sales up but problems persist, financial double-think, $ decline, knowledge vs wisdom,forecasting? stock buy-backs, SS and reverse mortgage bailouts, central banker role.

 

August 18, 2009 Hot Off the Web Senior advice, unwinding estates,Supreme Court on high(?) fees, advisor wake-up call, clients take charge! undermining ETFs, Florida's crisis, record foreclosures, home prices, renting? Canadian pension reform? insurance companies opposed (who cares), Mintz is government's pension "resercher"? deflation? value vs. growth, Efficient Market Theory, low expectations, health care.

 

August 4, 2009 Hot Off the Web Advisors, three ETF based portfolios, structured products (NOT), leveraged ETFs (NOT), pension reform, life insurance, bonds, risk in retirement, green shoots, bubbles, retroactive TFSA, US a banana republic? emergency pension policy changes.

 

July 29, 2009 Hot Off the Web Retirement prep boot camp, advisor shift, "insured" portfolios, multi-asset class, clueless DC investors, real estate bottom? retroactive TFSA, inflation/deflation? personal bankruptcy, speculator driven commodities? Federal Provincial finger-pointing

 

July 23, 2009 Hot Off the Web Online estate,variable annuities-not, ETF selection, why life insurance, firing your advisor, second opinion, longevity insurance,retirement back-up plan,helping parents,commuted values and Nortel pensions, real estate bottom? inflation/deflation/stagflation, new economics, derivatives explained.

 

July 17, 2009 Hot Off the Web Public/private pensions Canada/US/UK, vigilant UK regulator, what pension reform? Social Security/CPP timing, home not investment,inflation hedge, online portfolio management services, 130/30 ETF, RRSP "meltdown"? US/UK/Japan better than Europe, de-dollarization, lower foreclosures by equitizing debt, US Zip to buy gas.

 

July 10, 2009 Hot Off the Web Death list, advisers & trust, no inheritance, failed asset allocation? index funds still a go! covered calls, target-date problems, Florida property taxes & appeals, Ontario house sales up, Sprott on gold and Treasuries, consumer deleveraging, older drivers, change BIA to give priority to pensions & LTD benefits.

 

July 3, 2009 Hot Off the Web Pension priority in bankruptcy, more pension problems, inflation, commissions are over- fee for for service starts, Ponzi protection, traditional asset classes to replace alternatives? money blogs, financial calculators, retirement at 70? what 'mean', secret of capitalism.

 

June 26, 2009 Hot Off the Web Nortel pensioners abandoned? Canada/US real estate heading up/down? Canada departure taxes, over 55 workers increasing, continuing care communities? advisers beware? individual asset liability matching, life-cycle investing, no stock for older investors? out with leveraged ETFs, target-date funds not all the same.

 

June 19, 2009 Hot Off the Web Re-org of US financial markets, holding cos., tax-deductible mortgage, inflation/deflation, slow or quick recovery? senior life (abuse, death rates? stay in the harness), Vanguard advantage, reverse-convertibles,Clements's new book, Bodie on stocks,...real estate on the way to??? pensions.

 

June 12, 2009 Hot Off the Web Advisors, housing, pensions, fund proliferation, online tools, term life up, inflation, reverse mortgages, active funds (not), asset swap, ETFs, mathematicians have solutions?

 

June 5, 2009 Hot Off the Web Rent-or buy? inverse/leveraged ETFs, corporate bonds preferred, high deductible health, rating nursing homes, target-date funds, hedge funds, control, inflation or deflation and how to mitigate? US real estate, pension "superfunds" not well liked by mutual fund vendors.

 

May 28, 2009 Hot Off the Web Swensen's recommendations, portfolio discipline, worst is over? hyper-inflation, mortality errors, stock for retirement? early retirement? optionally burnt, housing hurricane, April Case-Shiller housing index, Case-Shiller funds, Latvian hookers.

 

May 22, 2009 Hot Off the Web Fear and greed, investment mix, advisor needed? buy vacation home now? claiming SS(or CPP) early? wealth managers failed to deliver, scams, more difficult lump sum distributions, big CPP asset drop, Nortel: legal representation and proposed reduction of CV payouts, free media access?

 

May 15, 2009 Hot Off the Web regulating derivatives, NOT market failure, tax relief, US bargains? charitable annuities, new pension plan challenges, F-rated Canadian fund fees, trust your advisor? leveraged/inverse ETFs- don't, Nortel saga continues.

 

May 8, 2009 Hot Off the Web Canadian pension shock, Monte Carlo, U of T like Yale? hedge the Loonie, buy-and-hold, principal-agent, retirement income products, ETFs taking off, asset manager challenges, downside risk management, college grad lessons, letter from Nigeria!

 

May 1, 2009 Hot Off the Web Demographics, active vs passsive, ETFs, Home indexes: US and Canada, Arnott on bonds and equity risk premium, Roubini's look-ahead, US middle class crisis- a view from Germany.

 

April 26, 2009 Hot Off the Web Annuities, retirement requirements, staying rich, retirement tips, buy-and-hold, inflation or deflation, covered calls, suing for losses, and pensions...

 

April 19, 2009 Hot Off the Web Picking an advisor, asset allocation, ETFs in 401(k), retirement outlook, bankruptcy and pensions, great NBR video on retirement finance.

 

April 12, 2009 Hot Off the Web Longevity insurance, gold, Bogle's crusade, active management, broken pensions, books on the crisis, buy a home now? pension splitting, EIAs (GMWBs), Nortel's Canadian creditors about to get the short end of the stick? 

 

April 5, 2009 Hot Off the Web Manufactured financial products, 2/3 fixed portfolio for retirement? modernized into ice age, debt and marriage, investment decisions and your brain, Yale's David Swensen approach, Florida: Ponzi state? what needs fixing? retirement income, pensioners' perfect storm.

 

March 29, 2009 Hot Off the Web Suitability or fiduciary based protection? helping with cash, recovery signals, inflation/deflation? chat with parents, efficient markets? Ontario budget on pensions

 

March 22, 2009 Hot Off the Web Worry about insurers, Fed's bond buy, dollar cost averaging, 2008 tax relief, annuities, medical tourism, investment cons, who will be pension champion? sharing pension risk, liability driven investment, firms trying to escape pension obligations? executive bonuses in bankruptcy protection!

 

March 15, 2009 Hot Off the Web Deflation?when to fire your advisor? does you advisor understand risk management- perhaps not, public vs. private pensions- different worlds, Nortel pensions, property tax increases in Florida-again?

 

March 8, 2009 Hot Off the Web Target-date funds,steps for crazy times, RRSP beneficiaries: who and how? investment errors, diversification, efficient markets? rebalancing is good? Pension crisis blame?...and for some humor: Nortel executive bonuses!?!

 

March 1, 2009 Hot Off the Web Stocks riskless in the long run? Euro-pension plans retreat from stocks, doom and gloom from Niall Ferguson, the middle way, bank bonus schemes led to risky behaviour, Canadian home prices heading down? U.S. defaults to retirement saving, poor pension plan models, ETFs for day trading not hedging.

 

February 22, 2009 Hot Off the Web  Index funds beat mutual and hedge funds, different CDs, plan for 400 million pensioners, credit score, conflicted credit ratings, RRSP strategy, watch out for big hitters, RRSP/TFSA fees, income splitting, "rebalancing", U.S. housing troubles, no Hail Mary passes!

 

February 15, 2009 Hot Off the Web Detox from "success", Roubini Q&A, lessons from losses, accounting exposed, new pension plan models, fee-only vs. fee-based, retirement?

 

February 8, 2009 Hot Off the Web  GDP based bond index, scary deflation, recovery signs? foreign investments, variable annuity fears, managed-payouts come up short (for now), (un)regulators, new ETF features

 

February 1, 2009 Hot Off the Web Credit card company watching where you shop, retire retirement? self-employment, automatic payments (NOT), U.S. home prices down again 2.2%, Mandelman's grim outlook on unemployment and war, retiree hell, financial pros stand by asset allocations and make small tweaks, apply financial models with scepticism.

 

January 25, 2009 Hot Off the Web  Working through retirement, budget for disaster, mutual fund trailers refunded, reverse mortgage demand growing, the pension burdens of companies??? Nortel pensioners' crisis

 

January 18, 2009 Hot Off the Web Nortel bankruptcy protection, single Canadian securities regulator, challenges of single retirees, Yale's investment model vs others, hire a relative for eldercare, mortgage refinancing difficulties, Fed's call for input on pensions.

 

January 11, 2009 Hot Off the Web Bogle's six lessons, pension solvency at historic low, hope for ailing firms? target-fund problems, education saving problems, job hunt, defined contribution plan flaws, the other con-game.

 

January 4, 2009 Hot Off the Web U.S. housing plunge continues, complexity better than clarity in describing reality, legacy of values vs money, 2009 tax tips, risk tolerance, public debt may now be good, depression- not, factors driving gullibility.

 

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.

 

December 30, 2007 Hot Off the Web Fresh look at your portfolio, loonie landing? maintain global diversification, 'fundamental indexing' is active value investing, new ETFs coming and desired.

 

December 23, 2007 Hot Off the Web Another advantage of index fund investors, freedom leads to longevity, asset allocation advice, more diversifier ETFs (foreign real estate, bonds and small caps, commodities), new agricultural ETNs.

 

December 16, 2007 Hot Off the Web  Beating the next bubble, paid volunteerism, defined benefit vs. defined contribution?, if in the U.S. >31 days per year you may have to file Form 8840 or else, lower objectives instead of looking more creative ways to lose money, pension splitting for Canadians and Florida's property tax tragi-comedy plays on.

 

December 9, 2007 Hot Off the Web  Dampen your stock return expectations, new funds ideal for retirement income, health vs. wealth, "do nothing and wait" strategy, how to participate in commodities, are muni returns too good to be true?

 

December 2, 2007 Hot Off the Web 100% stock?, enhancing dividend yield, charitable gifts with family benefits, DIY PPNs, alpha and beta.

 

 

November 25, 2007 Hot Off the Web New commodity ETNs, customizing target-date funds, staying put during nervous markets, ManuLife's Income Plus-Not!, tax-loss selling opportunity with strong loonie.

 

November 18, 2007 Hot Off the Web Mutual funds preferred over ETFs in downmarkets(?), long-term care bundled with life insurance and annuities, Social Security and meaning in retirement, fixed allocation ETFs, difficult to find uncorrelated assets.

 

November 11, 2007 Hot Off the Web  Guaranteed Minimum Withdrawal Benefit products- while sounding good in principle- are in need of more improvement, decummulation portfolio income stream boosted by covered call writing.

 

November 4, 2007 Hot Off the Web Strategies for asset allocation and income stream in retirement. do's and Don'ts of investing, Florida property tax reform: Not!

 

October 28, 2007 Hot Off the Web Withdrawal strategies, voluntary credit freeze, words of wisdom, need for 50% or 80% of pre-retirement income?

 

October 21, 2007 Hot Off the Web Long/short funds, critical illness and long term care insurance,Canadian dollar hedging, extinction of DB pension plans and working till you die, protected by hedging? asset protection in case you're sued.

 

October 14, 2007 Hot Off the Web Ground-braking variable payout funds, target-date ETF, continuing Florida property tax saga, wrap ETFs, advisor turnover.

 

October 8, 2007 Hot Off the Web Price vs. value, ETNs, parity?, fund directors, Manulife's structured product, plan to 100!, tactical asset allocation, handling currency risk, another discriminatory treatment case is heading to the Supreme Court.

 

September 30, 2007 Hot Off the Web Funds beating the index (in the past), unlocking pensions, keys to retirement planning, here come structured vehicles, benchmarks, with loonie at par time to diversify and opportunities for tax savings, "Is Florida over?"

 

September 23, 2007 Hot Off the Web Keeping up with inflation is not the same at maintaining relative standard of living, questions that couples must ask about retirement, loonie at par and currency hedging, word about Florida's discriminatory property tax system is spreading, wills-power of attorneys-living wills, benchmarks, annuities.

 

September 16,2007 Hot Off the Web  FL property taxes, women struggle in retirement, adding active to passive, spread out cap gain taxes, 40 year mortgages, (don't be) driven to annuities by volatility, win with longevity/consistency of strategy, excuses for not saving for retirement, why you can't find ETFs in your 401(k)?

 

September 9, 2007 Hot Off the Web  Reverse mortgages, four ETFs for a diversified portfolio, hedge fund problems, Canadian mutual funds earn their keep(?)

 

September 2, 2007 Hot Off The Web Your home as a retirement asset, tax-effective approaches to retirement income, target date funds, your credit rating.

 

August 27,2007   Hot Off the Web  Benchmarks, gradual retirement, portfolio rebalancing after turmoil, individual health insurance in the U.S.

 

August 19, 2007 Hot Off the Web  Enhanced index funds, on-line broker security, subprime crisis?, value of advisors?

 

August 12, 2007 Hot Off the Web Advisors use ETFs, Target Date Funds' performance, annuities, Tallahassee judge dismisses Alabamans' property tax suit

 

August 5, 2007 Hot Off the Web  Snowbirds' tax crisis, ETF onslaught, Canadian taxes on foreign property, CARP under microscope.

 

July 29, 2007 Hot Off the Web Asset allocation, profiting from mortality

 

July 22, 2007 Hot Off the Web Abandoning high cost funds, pension improvements, forget the rear-view mirror

 

July 16, 2007 Hot Off the Web Pension funds no longer in crisis(?), filters for bad advice, U.S. pension plan improvements, structured products, alternative investments, home co-ownership.

 

July 9, 2007 Hot Off the Web Advisors, maximizing couples' Social Security

 

July 1, 2007 Hot Off the Web Longevity and and health insurance, after tax returns, retirees sue over health insurance.

 

June 24, 2007 Hot Off the Web Target Date Funds in Canada, behavioral finance, early retirement misdirection, personal inflation index, RRSR/RRIF bankruptcy protection, ETF vs. ETN, wrap ETF, ETF recommendations.

 

June 17, 2007 Hot Off the Web Ratios for retirement readiness, fee-only help for planning, portfolios too close to home, insurers want to cash in, Canadian firms eyeing post-retirement benefit cuts

 

 

June 11, 2007 Hot Off the Web  Pension replacement, principal protection- is it worth it? new ETF research sources, retirement planning is more than financial, handwritten wills

 

 

June 6, 2007 FAQ-Frequently Asked Questions When to start saving and how much? Withdrawal rates? Required assets for retirement? Portfolio return requirements? Risk of running out of money? Longevity risk and insurance?

May 30, 2007 Hot Off the Web Creaking Canadian fund trailers, not too late for stocks-if…, structured equity notes, bad rap for advisors? , currency hedging foreign investments, flip side of running out of money, game of bridge?

 

May 20, 2007 Hot Off the Web Getting to $1 million, mutual fund fees, your advisor Uncle Leo, portfolio real estate, delaying SS/CPP, active vs. passive indexing, and ETNs

 

May 13, 2007 Hot Off the Web Estate plans, pension/retirement plan reforms, bond ETFs, selecting ETFs, Canadian mutual fund investors still paying the highest fees

 

May 6, 2007 Hot Off the Web ETF proliferation, high cost of principal protection (and annuities), jury is out on fundamental indexing, are returns of fund of hedge funds worth it? Confiscatory and discriminatory property taxes in Florida, US employers take control of retirement funds, retirement that fits your personality.

 

 

 April 22, 2007 Hot Off the Web Diversifiers for a stock-bond portfolio, more risks with very narrow ETFs, hurdles in becoming an American.

 

April 15, 2007 Hot Off the Web More fund costs to watch for, are you ready for retirement, “life portfolio”, analyzenow.com.

 

April 8, 2007 Hot Off the Web Investor Education Fund’s revamped website, Buffett warns against investment ‘helpers’ still eating the pie.

 

April 1, 2007 Hot Off the Web Go with Bogle, more ETFs, annuity references and pension crisis

 

 

March 25, 2007 Hot Off the Web Life settlements, immediate annuities, customized ETF portfolios, opportunities in academic results

 

March 18, 2007 Hot Off the Web Volatility budget, reasons why 70% of pre-retirement income is enough, your home a great investment-not, why ETF pricing discrepancies, a different longevity risk

 

March 11, 2007 Hot Off the Web When stock market volatility increase, sleep better with a well diversified portfolio; Florida property taxes not 'loony' but outrageous.

 

March 4, 2007 Hot Off the Web If your portfolio’s asset allocation reflects of your risk tolerance then daily market variations should not significantly affect your comfort level; also more on Florida’s “loony” property taxes.

 

February 25, 2007 Hot Off the Web Term (and other) insurance savings, invest like the Canada Pension Plan pros, options for tapping your home equity, estate tax avoidance.

 

February 18, 2007 Hot Off the Web  Free money from employer, maxing out RRSPs, value of oddball investments. 

 

February 11,2007 Hot Off the Web Portfolio rebalancing, income splitting(?), boomer’s guide to taxes, and RRSP: scare tactics, about the money or not, multi-tiered tax deferred investing, what will you need for retirement.

 

February 4, 2007 Hot Off the Web Income trusts finally behind us(?), conclusions from measures of success, defined benefit plans still at risk, etc…

 

January 28, 2007 Hot Off the Web How much do you need for retirement? pension splitting (and income trusts), 401(k) plans (and RRSPs), real estate “investments”.

 

January 21, 2007 Hot Off the Web Getting your fair share of the returns delivered by the market, a drawdown strategy during retirement on limited savings, don’t bet on government backing down on trust tax changes, a more diversified portfolio.

 

 

January 14,2007 Hot Off the Web Retirement spend rate, books Bay street will hate, portfolio/adviser checkup, financial priorities, unsuitable pitches and cost of index funds matter.

 

January 7,2007 Hot off the Web Plans for working in retirement do not align with actual outcomes, how advisers manipulate you, S&P500 index funds top average active manager.

 

December 31, 2006 Hot Off the Web Reverse mortgages, ETF proliferation and 401(k) plans under scrutiny (Can RRSPs be far behind?)

 

December 23, 2006 Hot Off the Web Some of the past week's interesting retirement related articles on: changing priorities when a 'health event' happens, single country ETFs' volatility and new longevity insurance products that just became available.

 

December 13, 2006 Hot Off the Web  Retirement self-deceptions, how much to withdraw annually, retirement transition model, tax-loss selling neurofinance.