Our Insights
Dollars and Sense
Bring intentionality to your life and your finances. Dive into some knowledge and insights directly from our Founder and Personal CFO.

Sequence Of Returns Matters
The primary purpose of retirement savings is to generate income. The rate of return earned, and the sequence of these rates of return, when withdrawals are made will determine how long a retiree’s portfolio will last.
Published on
April 28, 2025
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Investments
Annual Market Update - December 2022
Last Year in the Markets – January 3rd to December 30th, 2022: Overall, last year was a trying time for almost every Canadian investor. Several factors contributed to the turmoil and difficulty that affected every asset class and investor at some point during the last twelve months.

Investments
Monthly Market Update - September 2022
Last Month in the Markets – September 1st – 30th, 2022: September is typically a bad month for North American equities with the S&P 500 typically losing 1% of their value. September 2022 was more than nine times worse, and the worst September in twenty years.

Investments
Monthly Market Update - October 2022
Last Month in the Markets – October 3rd – 31st, 2022: The beginning of the month was uneven for equity investors. After rising-and-falling, the major North American indexes, repeated their rise-and-fall again by mid-month.

Investments
Monthly Market Update - July 2022
Last Month in the Markets – July 1st – 29th, 2022: Inflation and central bank actions continued to dominate the news and heavily influence capital markets. Inflation is beginning to be tempered as economic growth slows directly and indirectly from interest rate increases from the Bank of Canada, the Federal Reserve in North America and from the European Central Bank.

Investments
Monthly Market Update - April 2022
Last Month in the Markets – April 1st – 29th, 2022: The month began on a positive note for North American equity indices, unfortunately, the high-water mark was reached on the first Monday of the month.

Investments
Monthly Market Update - May 2022
Last Month in the Markets – May 2nd – 31st, 2022: Despite significant volatility during May by the end of the month the major North American indices had settled almost where they had begun. The NASDAQ, more heavily weighted to technology, lost 2%, and the broad-based TSX and S&P 500, and the large corporates of the Dow, were flat for May.

Investments
Monthly Market Update - February 2022
Last Month in the Markets – February 1st – 28th, 2022: Prior to the invasion of Ukraine, North American equity markets had been doing relatively well despite less than favourable local news. The trend had been downward with the major indices losing value during the first three weeks of the month mirroring overall performance in 2022.

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Monthly Market Update- March 2022
Last Month in the Markets – March 1st – 31st, 2022: For the fourth consecutive month North American equities dipped mid-month and then recovered before month’s end.