The 4% rule is a retirement funding rule of thumb that suggests potential spend rates in retirement. That is, if you need to push an investment portfolio to the max, you might be able to spend 4.2% (annually) of the portfolio value, adjusted for inflation. Morningstar recently had a look at the 4% rule and […]
We’re in the golden era of free cash flow for energy producers.
On Monday, we will see the launch of the Ninepoint Energy Income Fund. Portfolio manager Eric Nuttall suggests the time is more than right. We have the perfect backdrop, aside from the tragedy in Ukraine. We are in a golden era of free cash flow for Canadian and U.S. energy producers. It is the free […]
How to invest this RRSP season.
Canadians are turning their attention to investing as the deadline looms for making an RRSP contribution. When you contribute to your RRSP (Registered Retirement Savings Plan) you can lower your income taxes owed, the funds then grow tax free. It’s more than a good deal. You might contribute enough to your RRSP to generate a […]
2022 returns for retirement ETF portfolios.
It is a common question from readers. How do I create reliable retirement income with ETFs? It is a simple answer if we consider the last 40 years. A simple mix of Canadian, U.S. and International stocks has provided the necessary growth component. Core bond funds have offered the required risk management. Stocks for offense. […]
The U.S. dividend achievers and aristocrats are ready for the Jerome Powell show.
This week’s headlines were dominated by the U.S. Federal Reserve and their Chairman, Jerome Powell. U.S. inflation is more than running hot. The main weapon for a central bank (with the goal to cool demand and inflation) is to raise rates. On Wednesday, Powell announced that they will double the pace of bond purchase tapering, […]
The U.S. stock market is looking for another double digit return hat trick, on the Sunday Reads.
The U.S. stock market is likely about to offer a rare event, three consecutive years of double digit returns. That hat trick has occurred 9 times over the last 90 years. U.S. stocks offered a 31% return in 2019, in 2020 they kicked off the decade with an 18% return. We are currently over 25% […]