Mutual Funds

I often speak with investors who feel a strong pull toward their local community. They want their money to work close to home, supporting the neighbors and businesses they know. This desire frequently leads them to consider the investment options at their local credit union. In Manitoba, a common question I get is about the […]

I guide clients through complex investment choices every day. We often discuss growth and risk. But we also talk about the foundation of any strong financial plan: stability and liquidity. This is where money market mutual funds earn their keep. They are not designed to make you rich. They are designed to protect your principal

I find that the most powerful financial concepts are often the simplest ones. In the world of mutual funds, one equation reigns supreme. It is the fundamental law that dictates the price of every share you buy and sell. That equation is Assets minus Liabilities. For a mutual fund, this simple calculation does not just

I often find that investors focus on a single number. They look at a mutual fund’s advertised performance and make a decision. But this surface-level analysis misses a deeper, more revealing story. In my years of analysis, I have learned that the true measure of a fund family’s value to its investors isn’t found in

I find that most investors remember the big events of the 2008 financial crisis—the fall of Lehman Brothers, the bailouts, the housing collapse. But few recall the intricate mechanisms the Federal Reserve built to stop the bleeding. These facilities were surgical tools designed for specific failures within the financial system. One of the most critical,

I spend my days analyzing funds, and one of the first numbers I see for any mutual fund is its Assets Under Management, or AUM. It’s a figure often displayed in bold, right next to the fund’s performance. But what does it really mean? Is a larger AUM always better? As an investor, you need

I spend a great deal of time looking at mutual fund fact sheets and prospectuses. While most investors focus on past performance and expense ratios, I have learned to dig deeper. One of the most revealing, yet often overlooked, metrics is the asset turnover ratio. This number tells a silent story about a fund’s strategy,

I spend a great deal of time analyzing mutual funds. I look at performance charts, dissect expense ratios, and evaluate manager tenure. But one factor often flies under the radar for individual investors, even though it is a critical component of a fund’s DNA. That factor is asset size. The total amount of money a

I find that one of the most common points of anxiety for my clients is the transition into retirement. The question of “How should my money be invested?” takes on a new urgency when you stop earning a paycheck and start relying on your savings. At age 70, you face a unique set of financial

I believe constructing an investment portfolio is much like building a house. You would not start by picking out paint colors. You begin with a blueprint, a structural plan that ensures the house will stand for decades. In investing, your asset mix is that blueprint. It is the single most important decision you will make.