The “Big Five” Canadian banks offer investment funds and include Royal Bank of Canada, Toronto Dominion Bank (TD Canada Trust), Bank of Nova Scotia, Bank of Montreal and Canadian Imperial Bank of Commerce (CIBC). Let’s explore the best place for you to invest.
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Compare the best GIC rates in Canada 2023 Feb 15th
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The best GIC rates in Canada for 2023
Find the best GIC rates in Canada. Plus, everything you need to know about how they work.
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Should you withdraw from non-registered or TFSA investments in retirement? + MORE Mar 8th
Ask MoneySense
I have stocks in my TFSA as well as some that are non-registered. I am at the point in my life (retired) now that I’d like to begin selling them and using the money. Do I sell from the TFSA account or just from the non-registered portfolio?—Catherine
TFSA versus non-registered.... More »
Is semi-retirement stressful? You bet—here’s what to do about it + MORE Jul 26th
One of my semi-retirement philosophies is that reducing stress can sometimes be more important than maximizing revenue. Assuming you’re self-employed in semi-retirement, as I am, you may find yourself juggling multiple clients and conflicting demands on your limited time and energy.
The topic o.... More »
Chelsea soccer club being sold to L.A. Dodgers owners, investors for $3B US - CBC Sports May 7th
Chelsea soccer club being sold to L.A. Dodgers owners, investors for $3B US CBC SportsChelsea being sold to Dodgers owners for sports record $3BN Yahoo Canada FinanceChelsea: American billionaire Todd Boehly completes takeover as Roman Abramovich finally sells club D.... More »
How do the RRSP contribution carry forward rules work? + MORE Jun 9th
If I have $25,000 contribution room left in my RRSP, can I take that all at once plus my regular RRSP contribution of $30,780 for the tax year 2023? Effectively making a contribution of $55,780 to my RRSP?— Lorraine
The rules around RRSP contribution room
As soon as a taxpayer starts t.... More »
Making sense of the markets this week: August 10
– moneysense.ca
Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.
Should investors say goodbye to the 60/40 balanced portfolio?
For so many years, investors have fallen back on the classic portfolio split: 60% stocks for growth and 40% bonds to manage the risks. And, historically, bonds would also pitch in on the total return front. But with bond yields at historic lows, the bond component does not have much to offer in the way of returns, and many are suggesting a reset or rethink of the 60/40 portfolio.
From Bloomberg:
“‘I don’t think bonds can provide the standard historical returns investors are used to,’ said Andrew Sheets, Morgan Stanley’s chief of cross-asset strategy in London. ‘The starting yield is at a point where that type of return is just not possible. Investors are going to have to lower expectations of 60-40 portfolios, and will have to look elsewhere for what can be in the 40%.’”
That said, the humble 60/40 portfolio continues to defy the odds and confound the experts…
Should investors say goodbye to the 60/40 balanced portfolio?
For so many years, investors have fallen back on the classic portfolio split: 60% stocks for growth and 40% bonds to manage the risks. And, historically, bonds would also pitch in on the total return front. But with bond yields at historic lows, the bond component does not have much to offer in the way of returns, and many are suggesting a reset or rethink of the 60/40 portfolio.
From Bloomberg:
“‘I don’t think bonds can provide the standard historical returns investors are used to,’ said Andrew Sheets, Morgan Stanley’s chief of cross-asset strategy in London. ‘The starting yield is at a point where that type of return is just not possible. Investors are going to have to lower expectations of 60-40 portfolios, and will have to look elsewhere for what can be in the 40%.’”
That said, the humble 60/40 portfolio continues to defy the odds and confound the experts…