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Making sense of the markets this week: December 14 Dec 12th
Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.
What’s coming down the pipeline for Canadian investors?
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If you’re a self-directed investor, you already know you’re saving a bundle on the fees and commissions that advisors and investment firms charge. Your take-charge attitude should pay off, so long as you steer clear of the investing errors below that can cost you your returns. To avoid that fate, we’ve outlined three of the most common mistakes that self-directed investors make, and how to fix them with a portfolio management tool.
Mistake #1: Neglecting to rebalance
Say you’ve set up a portfolio in your brokerage account with an asset allocation of 70% in equities and 30% in fixed-income assets, which matches your risk tolerance and investment goals.
Obviously, those allocations are going to “drift” over time as markets go up and down. If stocks are doing gangbusters and really increase in value, they may end up being worth 75% or 80% of your portfolio—more risk than you intended to take on. Similarly, if the bond component of your portfolio is increasing in value faster than your equities, your portfolio may become too conservative…
Mistake #1: Neglecting to rebalance
Say you’ve set up a portfolio in your brokerage account with an asset allocation of 70% in equities and 30% in fixed-income assets, which matches your risk tolerance and investment goals.
Obviously, those allocations are going to “drift” over time as markets go up and down. If stocks are doing gangbusters and really increase in value, they may end up being worth 75% or 80% of your portfolio—more risk than you intended to take on. Similarly, if the bond component of your portfolio is increasing in value faster than your equities, your portfolio may become too conservative…
DIY investing for busy people—the portfolio management tool you didn’t know you needed
– moneysense.ca
If you’ve been on the fence about managing a self-directed brokerage account because you think DIY investing is too much of a time commitment, think again. While DIY investing certainly can be an all-consuming “hobby” filled with spreadsheets, calculations and trade activity, it doesn’t have to be—thanks to a portfolio management tool called Passiv*. It makes DIY investing for retirement easier by handing many of those all-consuming tasks for you.
Passiv works in tandem with your Questrade brokerage account to put your portfolio management on autopilot.
Still not convinced? Here are some of the ways Passiv removes the roadblocks to DIY investing, so even those with the busiest schedules can go do-it-yourself investing.
Portfolio monitoring with Passiv
One of the most important aspects of managing any portfolio is maintaining an asset allocation that aligns with your risk tolerance and investment goals. If you’re young and using it to save for retirement, you might opt for an aggressive portfolio that’s 75% equity assets (like stocks and growth funds) and 25% bonds or other fixed-income investments…
Passiv works in tandem with your Questrade brokerage account to put your portfolio management on autopilot.
Still not convinced? Here are some of the ways Passiv removes the roadblocks to DIY investing, so even those with the busiest schedules can go do-it-yourself investing.
Portfolio monitoring with Passiv
One of the most important aspects of managing any portfolio is maintaining an asset allocation that aligns with your risk tolerance and investment goals. If you’re young and using it to save for retirement, you might opt for an aggressive portfolio that’s 75% equity assets (like stocks and growth funds) and 25% bonds or other fixed-income investments…
