Protecting against the right risks
Steadyhand Blog
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3d ago
This article was first published in the Globe and Mail on February 24, 2024. It is being republished with permission. by Tom Bradley Risk is a loaded word. It has negative connotations for most people, and is something to be avoided. Unfortunately, it’s an essential part of investing. It’s embedded in the math – risk plus time equals return. If you want returns in excess of the risk-free rate, which for most investors is a government bond or GIC, you need to take risk. I want to explore three important aspects of risk, but I’ll start by defining the four types of investment risk. When you see ..read more
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What is an Advice-Only Planner? A conversation with Julia Chung
Steadyhand Blog
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1w ago
In our latest Coffee Break, we're joined by Julia Chung, an advice-only planner and President of Financial Planning Association of Canada (FPAC), to discuss the evolving landscape of financial planning and why you might consider working with an AOP. <span id="XinhaEditingPostion"></span&gt ..read more
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Hoping for the abnormal
Steadyhand Blog
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2w ago
This article was first published in the Globe and Mail on February 10, 2024. It is being republished with permission. by Tom Bradley I’ve been using the phrase “normalization of interest rates” in recent communications with clients because rates are closer to normal today than they were two years ago when homeowners could get a five-year fixed-rate mortgage for less than 2 per cent. Of course, the risk of using the word “normal” is that readers think I know what normal is. At this juncture, I can’t say I do. It’s open for debate, with a wide range of possibilities. Perhaps I should have said ..read more
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One woman's story about her decision to invest with Steadyhand
Steadyhand Blog
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3w ago
by Scott Ronalds We often say that we have the best clients in the business. It may sound like a throwaway line or marketing-speak, but we can back it up. From a numbers perspective, we measure things like client retention rates, redemptions during market downturns, and our ‘behaviour gap’ (the difference between the returns that our funds produce and those that our clients actually earn). The hard data shows we have a committed group of investors who stick to their plans, in good times and bad. Then there’s the human side. From beekeepers to anesthesiologists to marine pilots, we’ve got a div ..read more
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3 key retirement tax credits you should know about
Steadyhand Blog
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3w ago
You’ve worked hard to accumulate your retirement nest egg and want to enjoy the fruits of your labour. But you don’t want to pay more taxes than you need to — which is why you should know about three key tax credits. In our latest Coffee Break, Owen Winkelmolen, an independent advice-only financial planner, shares some valuable insights on how to lower your tax bill in retirement by focusing on, and planning around, three key tax credits: the (1) basic personal amount, (2) age amount, and (3) pension income tax credit. In addition to these tax credits, Owen also offers tips on how you can use ..read more
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The annual report is the most important document of the year
Steadyhand Blog
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1M ago
This article was first published in the Globe and Mail on January 27, 2024. It is being republished with permission. by Tom Bradley I’ve been advocating for better client reporting for more than 15 years. To me, talk about financial literacy and investment education rings hollow if investors can’t determine with confidence how they’re doing and what they’re paying – that is, after-fee returns and total cost. The industry has made progress in providing this basic information, thanks mostly to the efforts of securities regulators and noisy investor advocates, but we have further to go. A growin ..read more
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Year-end review and investment outlook video
Steadyhand Blog
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1M ago
by Salman Ahmed Both stock and bond markets had a strong year, rebounding nicely in 2023. Our funds all had a positive year, and our clients who hold balanced portfolios earned high single-digit returns. In our year-end video below, we (1) provide an update on the firm, (2) review the performance of our funds and the capital markets, (3) discuss our outlook and return expectations, (4) touch on the advice we're giving clients, and (5) illustrate our investment principles in action. If you have any questions or would like to further explore any of the topics discussed, clients and interested i ..read more
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The benefits of diversification — 2023
Steadyhand Blog
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1M ago
No explanation required. Note: The above table shows the returns of our five long-standing funds: Steadyhand Savings Fund, Steadyhand Income Fund, Steadyhand Equity Fund, Steadyhand Global Equity Fund, and Steadyhand Small-Cap Equity Fund. The Steadyhand Founders Fund is not included in the table, as it was not launched until 2012. The Global Small-Cap Equity Fund and Builders Fund are also not included, as they were launched in 2019. Management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, t ..read more
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When an investing strategy is easier said than done
Steadyhand Blog
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1M ago
This article was first published in the Globe and Mail on January 13, 2024. It is being republished with permission. by Tom Bradley “I will be a steady, long-term investor.” It’s easy to say and difficult to do. Particularly in the past few years. Think about what we’ve been through. In 2020, markets plunged when the pandemic hit and then quickly recovered, finishing the year well into positive territory. 2021 was the most speculative year I’ve seen in my 40 years in the investment business. It was hard not to suffer from FOMO as exciting growth – profits be damned – was the order of the day ..read more
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Bradley's Brief — Q4 2023
Steadyhand Blog
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1M ago
by Tom Bradley Our clients know that investment returns come with surges and dips. To get the good, you need to accept the bad. But WOW, that wasn’t easy to do in 2022 and 2023. There were more surges and dips than usual, and a lot more noise. The volume was turned up to 10 on issues like recession, inflation, central banks, AI, and global tensions. And then there were what Salman and I call the ‘bright shiny objects’ – trends, stocks and products that capture investors’ imaginations and cause them to change strategy. Things like crypto, AI, and more recently, good old money market funds and G ..read more
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