The idea that a bell rings to signal when investors should get into or out of the stock market is simply not credible. After 50 years in this business, I do not know of anyone who has done it successfully and consistenly. John Bogle
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 for Canadians) rather than through collective investment vehicles.
Optimizing the use of your tax deferred accounts (RRSP/TFSA for Canadians) 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.
An attempt to beat the index must either concentrate its assets–meaning less diversification, meaning more risk–in stocks it hopes will outperform the index, actively trade from one asset to another in search of performance (meaning tax consequences and lots of effort on the part of the investor, as well as the costs of trading), or both. Ryan Suenaga
Self reliance is a virtue. 
RRSP