Comparing investment returns is a tricky task

Each investor is unique in their goals and personal risk tolerance, so their investment portfolio should be customized to their situation

Comparing investment returns is a tricky taskYou worked hard for your money and, in turn, your money should be working hard for you. However, when comparing returns, you need to be sure you’re making a fair comparison. Investors often compare their returns to that of a published benchmark such as the Toronto Stock Exchange (TSX), or to the returns their friends…

Managing your investments over the short and long terms

Investors often purchase investments that don’t suit their intended time frame. Do your homework, know your risk tolerance and be clear on your expectations

Managing your investments over the short and long termsWhen it comes to comparing your investment returns to others, make sure you’re comparing the exact period and investment transactions. Published returns for any investment are based on a single investment over a given period. This isn't the way most people invest, so their returns are often much different than the published numbers. The timing…

Hidden or visible, you’re paying investment fees

Be smart, shop around and make sure you’re aware of the total fees you pay and what you're getting for them

Hidden or visible, you’re paying investment feesSome fees for investments are hidden, some are visible. But there’s always some type of fee or cost involved in investing. Some people will disagree with my broad use of the word fee, but I believe that any money paid out, regardless of how it’s paid, is a fee. Every business sets out to make…

Debt doesn’t always have to be a four-letter word

Using debt in your financial planning is a good strategy, but exercise caution and discuss all the risks and rewards with your accountant and planner first

Debt doesn’t always have to be a four-letter wordDebt is often a four-letter word – but, when used correctly, it can be a real benefit to your financial planning. Most of us use debt when we buy a home, a second property, automobiles and other large purchases. We simply don’t have enough cash available to do otherwise. Many people are very comfortable using…

Understanding and comparing investment returns

Keep in mind that, despite new disclosure rules to increase transparency, the fee shown on your investment report may not be the total fee you paid your adviser

Understanding and comparing investment returnsWhen comparing your investment returns to that of others or those you see published, selection and timing are two critical issues. Make sure you’re comparing apples to apples: that you’re weighing similar investments. Each investor has their own risk tolerance and objectives. What’s right for your friend, neighbour or family member may not be right for…

Digital shift not offsetting newspapers’ print decline

Digital advertising sales reached $295.6 million in 2018, a 20.8 per cent increase from 2016, yet print ad sales declined by a much larger amount

Digital shift not offsetting newspapers’ print declineGrowth in digital ads for newspapers has not been fast enough to offset the decline in print advertising, according to data released Friday by Statistics Canada. The federal agency reported that digital advertising sales reached $295.6 million in 2018, a 20.8 per cent increase from 2016. Print advertising sales totalled $1.2 billion, down from $1.6…

Postmedia announces $6.3 million loss

Postmedia announces $6.3 million lossCanadian media giant Postmedia ended up losing $6.3 million for its fiscal year ending August 31.  The company said Thursday that the net loss compared to a net loss $33.9 million in the same period in the prior year.  “The change was primarily the result of decreases in depreciation and amortization expense, decreases in restructuring…

CP Rail reports record third-quarter revenue

Results follow record second quarter that included strong operating metrics including train speed and terminal dwell

CP Rail reports record third-quarter revenueCanadian Pacific Railway Ltd. had record third-quarter revenues of $1.98 billion, up by four per cent from a year ago. The company also reported diluted earnings per share (EPS) of $4.46, or $4.61 on an adjusted diluted EPS basis. The company also said it achieved a record-low quarterly operating ratio of 56.1 per cent. “After…

Hatch Ltd., Upside Engineering Ltd. merge in the oil and gas sector

Brings together the largest oil and gas process team for complex upstream and downstream flowsheet development in Canada

Hatch Ltd., Upside Engineering Ltd. merge in the oil and gas sectorTwo significant players in Alberta's oil and gas market have merged. In a news release on Wednesday, Hatch Ltd. announced that Upside Engineering Ltd. has joined Hatch, bringing together the largest oil and gas process team for complex upstream and downstream flowsheet development in Canada with a well-established local engineering firm that specializes in midstream…