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40 days - 2.75% + MORE Mar 29th

This GIC rate is offered by DUCA Financial Services and was updated on 0000-00-00. Click on the link above to get more details or apply online..... More »

How to tell if a company is honest Aug 15th

Despite what you may witness on Twitter, people generally see the good in others, whether that’s their friends, colleagues or the executives running the companies they invest in. We want to believe a business we’re buying into is on the up-and-up, that what they’re saying about their operation.... More »

Hollywood actor arrested in $227m ponzi scheme - Boing Boing Apr 7th

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10 ways women can grow their wealth + MORE Mar 8th

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Stop calling Canada's latest big idea a sovereign wealth fund | About That - CBC + MORE May 1st

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Be boring, follow the Canada Pension Plan

– myownadvisor.ca

Recently I read about our Canada Pension Plan (CPP) reaching $200-billion mark in assets for the first time. As one of the 10-largest retirement funds in the world, it’s a financial behemoth. Here’s how our money is invested by region:

Here it is by sector:

Here are my quick takeaways from how CPP invests and what we can easily copy in our portfolios:

Canadian and North American assets make up more than half of the portfolio but this means other investments extend far beyond those borders. The lesson: diversify your investments from around the world.
Real estate does not comprise a large percentage of the portfolio. The lesson: investments go beyond your primary home.
About half of the holdings are in equities. The lesson: balance your portfolio with fixed income and other asset classes.

The boring and simple CPP investing approach has allowed this massive fund to reach record-highs and earn an annual rate of return of about 5% over the last ten years after inflation is factored in…

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