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Our philosophy Print
Self reliance is a virtue.

For your tomorrow, save today.

Every dollar counts- eliminating investment expenses is very important.

Looking for help to pick next year’s stock winners (the individual stock selection method) and “beat the market”? You are at the wrong place.

Our approach: Invest across the stock market generally (what others call passive or index investing).

We believe in collective investment vehicles called exchange traded funds (ETFs) to invest in the stock market (rather than traditional actively-managed mutual funds).

We also recommend direct purchasing of bonds (especially provincial government bonds) rather than through collective investment vehicles.

Optimizing the use of your RRSP (REÉR) - a registered retirement savings plan is an investment account set up with a trustee to which an individual contributes within the limits set by Canadian federal and Quebec income tax legislation. It benefits from favourable tax treatment. It may be self-managed (the investor decides on each investment in the RRSP) or not (in which event the trustee or another entity decides on how it is to be invested). See sections RRSP Accounts Taxation-Taxation and Investing and for a discussion.





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through careful investing in bonds and other appropriate assets.

It’s your after-tax return that counts- we will help you to manage your investments accordingly.
Last Updated ( Wednesday, 02 January 2008 )
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Since 1950 we have had 48 pullbacks - meaning declines of 5 - 10%. We’ve had 18 corrections - meaning 10- 20%, and 8 bear markets. At the worst on average we end up getting back to normal in about 3 1/2 years. But people just don’t want to wait that long and they let fear overtake their emotions. Sam Stovall