Category Products

There are risks, but I’ll stay with ETFs for my money: ETF concerns- Has anything changed?

There are risks, but I’ll stay with ETFs for my money: ETF concerns- Has anything changed? In a nutshell Yes there are risks everywhere, but I am sticking with ETFs so long as they are used as they were intended to be. Broad/diversified asset classes (except where accessing in a limited application otherwise inaccessible asset […]

Are “target-date” funds or age-independent “fixed-asset allocation” right for you?

Are “target-date” funds or age-independent “fixed-asset allocation” right for you? In “Target-date funds I”  and “Target-date funds II”  I discussed some of the advantages and disadvantages of target-date funds and some simple methods for doing a low-cost implementation. In my May 11, 2008 Hot Off the Web blog I referred to a recent article in […]

Target-Date Funds II

Target-Date Funds II A few weeks ago in my Target-Date Funds (also called Lifecycle Funds) blog, I outlined some of the advantages and potential problems with them. I promised to look at a simple model that you may choose to use to implement your own custom Lifecycle/Target Date Fund using existing ETFs. In “Lifecycle funds: […]

Target-Date Funds I

Target-Date Funds Target-Date funds have a lot to offer. They are supposed to be a “single decision” fund and completely maintenance free. Once you selected your target retirement date, then just choose the Target-Date fund closest to that date and you are set until retirement. Life-time income funds are the complementary “single decision” funds that […]

Structured products: BMO Life Stage Retirement Income Portfolios

Structured products: BMO Life Stage Retirement Income Portfolios Background In the January 24, 2011 Hot Off the Web blog I mentioned a new product from BMO, which I described as fitting into the category of products of expensive and opaque nature, the “BMO Life Stage Retirement Income Portfolios” . At the time, I also had […]

Structured products I

Structured Products I In my September 30, 2007 Hot Off the Web, I mentioned John Authers of the Financial Times in “Structured vehicles may be way forward” discussing how, in the wake of the relatively poor recent performance of hedge funds and private equity, the emphasis may be shifting away from hedging to guarantees in […]

Universal life

Universal Life Insurance: Are there tax advantages? YES; is it advantageous for your wealth? UNLIKELY! (Originally published October 27, 2008) What is a Universal Life Policy? It is a combination of term insurance and an investment vehicle which is tax-deferred to the investor or even tax-free on death to the beneficiary of the estate. Situation […]