Mutual Funds

In my years of guiding clients through market cycles, I’ve learned that the most successful investors are not those who predict downturns, but those who prepare for them. When Fidelity clients express concern about a bear market, they often ask for a specific fund name—a single ticker symbol that will serve as an impenetrable shield. […]

In my practice, I speak with investors from Vancouver to St. John’s, and the fear of a bear market is a universal constant. However, the conversation in Canada is uniquely shaped by our market structure: a heavy concentration in financials and resources, the tax-sheltering power of registered accounts, and a distinct set of investment vehicles

In my years as an advisor, I have learned that investors reveal their true nature not in bull markets, but in bear markets. The euphoria of rising tides is easy. The grim, grinding pressure of a sustained decline is where financial plans are made or broken. When clients ask me about “bear market mutual funds,”

For years, my desk has been a confessional of financial hopes and fears. I’ve sat with newlyweds dreaming of a home, with parents paralyzed by the cost of college, and with retirees anxious about outliving their savings. The single most common question they ask me is also the most profound: “How do I make my

In the stratified world of fixed income, few areas are as misunderstood or as strategically critical as the realm of BBB-rated bonds. This is the borderland. On one side lies the safety of unquestioned investment-grade debt. On the other, the risky frontier of high-yield “junk” bonds. When investors ask me about BBB-rated bond mutual funds,

I cannot, in good conscience, simply give you a list of mutual funds. To do so would be a profound disservice to your financial well-being. My duty as an analyst isn’t to provide shortcuts but to equip you with the tools for lifelong prudent investing. A static list is a snapshot of a moving target;

I have spent my career analyzing trends, and few sectors present a more compelling fusion of technological disruption and financial opportunity than battery technology. It’s not just about powering our phones anymore; it’s about powering our cars, our homes, and arguably, the next chapter of the global economy. When investors ask me how to gain

Introduction In my years of constructing portfolios, I have often been asked about “hedging” against a falling dollar or profiting from global macroeconomic trends. This conversation frequently leads to a niche and often misunderstood product: the foreign currency mutual fund. These funds don’t invest in stocks or bonds; they speculate on the relative value of

In the evolving landscape of wealth management, I’ve observed a constant tension between innovation and tradition. For decades, the mutual fund was the undisputed champion for investors seeking instant diversification. Today, a new contender has emerged: the basket. Often called “custom baskets” or “thematic portfolios,” this model promises a modern twist on an old idea.

In my years of guiding clients through investment management and tax preparation, one area consistently creates confusion and leads to significant tax-time surprises: the cost basis of mutual funds that automatically reinvest dividends and capital gains. Many investors see this powerful feature as a purely mechanical tool for compounding growth. They often overlook the critical