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Retire later: What a difference a year makes

Investments, Personal Finance

Going, going, gone are the days when we are forced into retirement because we hit a certain age. And boomers are redefining what that "R" word means to them. Retirement isn't about hitting a certain age or completely quitting what you have been doing. It may involve work, albeit perhaps on different terms or in a different field. It may mean adjusting that planned retirement date. There’s no shame in that. Late savers especially may need to consider what a difference an extra year of work can make in their lives.

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Downside Protection Applications

Investment Views, Investments

Asset Allocation

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Off the Cuff with Amber Sinha

Investments, Off the Cuff

What does the BOE rate cut means to investors?

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Yield Verboten

Investment Views, Investments

Global bond yields have been on a multi-decade decline; therefore, it should be no surprise that today’s yields are at or close to historically low levels. Chart #1 shows the extent of this decline for the 10 year Government of Canada (“GoC”) and U.S. Treasury (“UST”) bonds. From December 1990 to June 2016, the GoC yield started the period at 10.3%, averaged 5.1%, and closed at a mere 1.06%. Over the same period, the UST yield started at 8.4%, averaged 4.8%, and closed at a mere 1.5%.

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When do people retire and why?

Investments, Personal Finance

There is no normal retirement date anymore. There is no hard-fast retirement date everyone has to hit. The answer to the question; "when will you retire?" is becoming a very individual decision, and one you need to plan for and periodically stress test to make sure it's still going to work for you. Here's what we do know. The average age for retirement is increasing. More and more aging boomers are choosing to work longer; some because they need to; a growing number because they want to. And work is becoming one of a number of activities that is forming part of the evolving definition of that "R" word.

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Retirement Realities for Boomers

Investments, Personal Finance

Retired boomers age 50+ identified their top three retirement realities in an updated survey on Retirement Myths and Realities completed in 2015 by Royal Bank of Canada. The top three realities appear to fly in the face of commonly held perceptions and the feelings held by those younger than these boomers.

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Emblem Portfolios in action

Investments, Tactical Updates

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Evaluating Downside Protection

Investment Views, Investments

Semi-deviation (also called downside deviation) is a variation of the more commonly used metric, standard deviation. Both measures track the historic variability of returns around an investment’s average return, however, semi-deviation only considers those returns that fall below the investment’s average. A lower semi-deviation indicates an investment with lower downside risk.

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Downside Protection Strategies

Investment Views, Investments

My last blog discussed the importance of downside protection, specifically looking at the asymmetry of gains and losses, and poor historical investor behaviour. This blog will investigate some strategies investors can implement to potentially protect their portfolio from significant losses in down markets, while still allowing them to participate in rising markets.

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Off the Cuff with Amber Sinha

Investments, Off the Cuff

Amber Sinha discusses Brexit and the consequences of staying or going.

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