Created by Ray Dalio this simple but not simplistic and easy to follow 30 minute, animated video. Ray Dalio is an American investor, hedge fund manager and philanthropist who founded the investment firm Bridgewater Associates, one of the world's largest hedge funds.

What Assets Make Up Wealth?

A chart showing asset distributions, based on net worth tiers. Click here for a larger version.

Courtesy of: Visual Capitalist

Feature Article: 
Income Sprinkling - Simplified Rules for Business Owners

On December 13, 2017, federal Finance Minister Bill Morneau released updated legislation relating to “income sprinkling” by business owners and their families. The new legislation, which came into effect on January 1, 2018, is still very complex and includes four different sets of rules depending on the individual’s and/or their spouse’s age.

To assist you in navigating these rules, Assante Wealth Management has prepared a set of “decision trees” that can be used as a guide to determine if the new tax on split income (TOSI) rules may apply. If TOSI does apply, the income will be taxed to the recipient of the income at their highest marginal tax rate. Please note, these “decision trees” were designed to simplify the rules for discussion purposes and should be used as guidance only. There could be additional exemptions relating to inherited property that are not reflected in this guide, and individuals should seek confirmation from their tax advisor on their specific situation.

Read more . . .

The Passive Income Rules:
How income on corporate savings will be taxed

After more than nine months of waiting, business owners have finally learned how income on corporate savings will be taxed moving forward. The new rules can be broken into two separate measures, a reduction to the income eligible for the small business tax rate and changes to the refundable tax regime. These rules are discussed in detail at this link.

Having a More Successful Investing Experience:

Understanding the Management Expense Ratio (MER)

Dimensional Fund's David Booth answers a common question:
How long do I have to wait until my investment strategy pays off?

How Have Markets Historically Reacted to US Presidential Elections?

With election results south of the border taking almost everyone by surprise, many are now wondering how the markets are going to react.  Vanguard has released a (comforting) video which draws on research going back to 1853.

To briefly summarize, historically, stock market performance has been similar no matter which party has won a presidential election. In the short term, however, markets react to uncertainty, and there has been a predictable pattern 100 days leading up to an election, and 100and 200 days after an election.  Markets are more volatile just before an election but the volatility stabilizes in the 200 days after an election.

Growth of $1 Invested in the Stock Market from 1927 to 2012

Watch this 3 minute video tracking the growth of one dollar invested in US equities from 1927 to 2012.  Time Magazine covers featuring major events over the course of decades are superimposed on the graph as it climbs towards nearly $3,000.

What Happens to $1 Over Time?  as posted by Loring Ward on YouTube

From the Sensible Investing TV eight part series entitled:  Passive Investing--The Evidence.

This video -- the first in a series of eight entitled Passive Investing: the Evidence -- describes how the £4 trillion invested by UK fund managers more often than not produces a below-average return and fails to match, never mind beat, the average market return over the long term. Are the fund managers as smart as they like to think they are? Financial gurus John Bogle, Charles Ellis and Ken French, amongst others, think not.


Articles Published by
Our Advisors in Sask Business Magazine & Business Advisor

Daryn Form, Jason Sirman, and Dale Berg take turns writing a monthly column in Sask Business Magazine and quarterly in Business Advisor. The articles cover various aspects of investing: investment strategies, common mistakes made by investors, and how to overcome detrimental investor behaviour.

Click on article title to read more . . .

Common Mistakes made by investors

A Reminder About Market Volatility

Market Timing

Timeline of Media-Influenced Fears, 2000 - 2017

Analyzing Investment Mistakes and What They Cost

So, What About Those Fees

Costs Matter

Making the Right Decisions

Rules of Thumb

Wear Your Helmet

Reasons to Stay Invested

The Price is Right

Better to be Optimistic or Pessimistic?

Reacting to Unexpected Market Events

System to Sell High and Buy Low

Five Years of Strong Markets

The Midas Touch

Confidence in Your Decisions

Beware the Hindsight Bias

Overcoming Investor Fatigue

Controlling Investor Behaviour

Learning from Star Quarterback Peyton Manning


Articles from our Affiliates


Catch Phrase Investing: FAANG