If you are looking for a great Canadian index funds strategy, then we are glad you reached this page and strongly suggest you keep reading. Click here to discover a powerful strategy that could help you build wealth (while also avoiding large market corrections)
Canadian index funds offer a simple and effective way to participate in market moves. Yet, without the right strategy, a seemingly simple investment vehicle could result in major losses.
How is this possible, when on the surface, index funds (or index etfs for that matter) give you access to a large diversified basket of stocks from various industries and sectors? Timing.
Whether you are a novice or seasoned investor, you are probably aware that markets do go through periods of losses (or corrections). In some instances, these corrections are mild, while others are much more severe (i.e. 2008). Knowing this fact, does it make sense to always be invested in an index fund (especially if it means watching profits turn into large losses)?
How We Can Help
The one missing component to unlock the full potential of your index fund (or index etf) investing, is having an investment strategy that can identify market opportunities and avoid market corrections. If you are someone who got caught in the 2008 crash and want avoid this scenario in the future, click here to see the Elevate System, and discover how you can become empowered to invest with confidence.
Looking at a certain Canadian equity fund? Well, we’re glad you found this site and strongly suggest you keep reading…because what we are about to share with you might make you rethink investing in mutual funds altogether. Click here to find out about a program that is empowering individuals across the country.
On paper, a well diversified Canadian equity fund looks great:
- It provides you with diversification amongst a wide range of companies
- Does not require you to actively manage the process of investing in each stock yourself
- Most of all, it looks like it could help you achieve your long term financial goals
Reality tells us a different picture:
- The claimed diversification does not protect you from large market corrections (i.e. 2008)
- Giving up investment control becomes expensive both in fund fees and having to ride out downturns in the market.
- Having to ride out market corrections means missed investment opportunities on the upturn.
If reality is so different from theory, then why do so many Canadians invest in a mutual fund buy and hold strategy?
Funds not only in Canada, but across the globe, use a buy and hold because it had worked quite well for the last 50+ years…until now. Essentially, fund companies have recognized that simply holding onto stocks for the long haul has resulted in positive returns. But, the real issue is that the buy-and-hold strategy does not take into consideration that markets can and do change.
When the 2008 financial crisis unfolded, because mutual funds did not have any contingency plans to limit investment losses, investors were essentially left with half of what they started with prior to 2008. Sure, some funds have recovered with the market, but while you have been patiently having to wait things out, you have also missed out on some great market opportunities.
How We Can Help
Some people just cannot be bothered (or do not have the time) to personally manage any aspect of their investment portfolio. They would rather buy equity mutual funds or let someone else look after their investment success (or lack thereof). But, if you are someone who has grown frustrated with the performance of your mutual funds and bonds and have the drive to achieve financial freedom, we have created a simple to use and very powerful system to empower you to invest with confidence. It’s called the Elevate System and you can discover how it may help elevate your financial future here.
If you are looking for an effective Canadian investing opportunity then we are glad you have found this website and strongly suggest you keep reading…as we are going to reveal the do’s and don’ts of Canadian investment strategies. If you are stressed out trying to decide how to invest for the long term, click here to learn about our Elevate System
In today’s financial market, there is an overabundance of Canadian investment strategies designed to help you build wealth over time. The real challenge for the individual investor, is being able to find a robust strategy or investment product that not only shows a positive return on investment but more importantly provides protection from large investment losses.
The events of 2008 have left a lasting impression on investors across the globe. Anyone who has been invested in a major mutual fund throughout this time-frame has been dealt a tough blow. Having to sit through and watch prior investment gains rapidly erode and turn into large losses has left many investors shell shocked. However, there is a silver lining amidst this chaos. As a smart investor, it is important to learn from these events and reinforce the weak areas that were the leading cause of major investment losses. So what is the single biggest weak point?
Quite simply, the major reason so many investors got hurt by the events of 2008 is a result of holding onto losing investments. However, these major investment losses could have been avoided had an investor been using a strategy which recognizes and adapts to changes in the market.
Simply put, it is the essence of “buy and hold” which allowed investors to see their mutual funds and long term stock holdings plummet during the financial crisis. One of the problems is that there is a prevailing belief that if you simply diversify amongst different types of stocks (i.e. mutual funds,etc) and hold on to them over time, even when major market events occur, you are somewhat protected.
Again, looking at 2008, we can see that stocks, in general, became highly correlated and resulted in a mass wave of stock selling across the board. This market behaviour illustrates that diversification alone does not protect you from large investment losses.
A Better Way
If you are someone who has invested in mutual funds using a RRSP, TFSA or financial advisor you are a perfect match for our Elevate System. What is this program all about?
Well simply put, we have created a system of investing in the market which first, uses only a few minutes of your time each day (5 minutes tops). Second, you can use this program to discover market opportunities in the evening (so there is no worry about trying to fit in time during your busy day schedule). Third and probably the most important, Elevate is designed to capture large market gains and also keep you out of large market corrections . All of this translates into an easy to use system that empowers you to build wealth with confidence. Click here to discover how the Elevate System can empower you to invest with confidence.
If you have converted your rrsp into a self directed rrsp account, congratulations! You have taken the first step in empowering yourself to build wealth. But where do you go from here?
Once the initial excitement has worn off, we understand that taking direct ownership of your financial future is a big step that can leave you feeling stressed out. This where some careful planning could make a world of difference to your long term investment returns. If you are stressed out trying to decide how to invest in your new or pre-existing self directed rrsp account then click here to find out about a program that is empowering individuals across the country.
When evaluating your options of how to invest in your rrsp, you commonly find tips that tell you to balance your portfolio between stocks, bonds, and mutual funds. This is really just another way of saying to have a diversified approach to investing, which we believe is an important element to building long term wealth. However, diversification is only one element to achieving success. An even more important element is knowing when to take profits and losses.
What Works
It is just human nature that when an investment begins losing value, rather than take a small loss we would rather hold on to it “hoping” it will come back. It’s this buy-and-hold approach that caused many investors to take on large losses during the 2008 crisis. In the meantime, during the recovery in 2009, these same investors have had to wait things out, and in the process, missed out on some great investment opportunities. So what’s the common sense approach?
The common sense approach is to develop an investment plan that accounts for market corrections by following the prevailing trend (note: this is not about timing market tops and bottoms).
The crisis takes a much longer time coming than you think, and then it happens much faster than you would have thought.
Rudiger Dornbusch
MIT Economist
This quote perfectly illustrates the fact that as investors, we are provided with some early warnings signs that markets could be in trouble (enough time in fact to protect ourselves from experiencing large investment losses). But the caveat is that if you fail to take action during this warning period, prepare to be blindsided by the market.
If you don’t want to experience losses like 2008 in your rrsp account, having a game-plan to protect yourself from large market losses should be at the top of your list. To empower you to build wealth with confidence, we have created a system of investing that captures large market gains and avoids large market corrections. Click here to discover how you can build wealth with confidence using our Elevate Investment System.
With the introduction of the tax free savings account, Canadians now have a golden opportunity to generate investment returns tax free.
Not Your Average Savings Account
The typical high interest savings account offers abysmal return rates when compared to investment returns available. Harnessing the power of a tax free savings account through smart investment choices could result in returns exponentially better than any high interest savings account. So how can you get the most benefit from your TFSA?
1. Set Realistic Goals
You cannot expect to reap large investment gains in a short time-frame using a TFSA as their are limits to how much you can contribute to you account in a single year. However, the hidden power is in the passing of time. By re-investing your investment gains, over time, you position yourself to be able to generate substantial returns.
2. Have A Robust Investment Game plan
This is probably the single hardest concept for individual investors to get right. With an overwhelming supply of financial information not only at your fingertips, but also being promoted across newspapers, the Internet and of course television, it’s no surprise that people don’t really have a solid game plan to build wealth. Giving up control of your investment decisions and investing in mutual funds is not the answer either. 2008 should make all investors rethink that approach.
How We Can Help
So adopting the first point of setting realistic investment goals for your tax free savings account is probably quite easy for most people. However, it’s the second point which most people struggle with. Knowing how to invest does not have to be hard if you have the right knowledge and tools to empower you to build wealth with confidence. If you are someone with a TFSA and are looking to build wealth, we strongly suggest you look at our Elevate System. What’s it all about?
In a nutshell, the Elevate System is designed to help you identify both market opportunities when they arise and market weakness before it can severely damage your investment account. It’s simple, takes only a few minutes per day (in the evening), and most importantly has been rigorously tested to work over all kinds of volatile market conditions (including 2008). Click here to discover how Elevate can help you build wealth, tax free.
If you are having a hard time choosing one of the more popular Canadian mutual funds, then you are not alone. Many Canadians struggle to select the most suitable fund from a list of the top Canadian mutual funds.
To help you out, we would like to offer up some powerful information that might make you rethink investing in mutual funds altogether.
We understand why people are attracted to mutual funds in the first place. It offers individuals a simple and painless way to gain access to various investment opportunities. Just visit your bank or financial advisor and in almost no time you are invested in the market. Of course, you would not just blindly hand over your financial future to a fund company without doing some research. You probably have analyzed Canadian mutual fund performance from different angles. Maybe you look at overall returns vs fees or maybe take the advice of a relative or friend already invested in a fund.
Researching your investment options is a great idea. However, there is one lurking problem that mutual funds will not likely tell you about. What happens when the market corrects? The unfortunate problem with all mutual funds is the strategy used. It is based on the common buy-and-hold strategy. Why would multi-billion dollar funds, with dedicated investment research teams, follow a strategy that in recent times has imploded? Confirmation bias.
Simply put, funds not just in Canada but across the globe use a similar strategy of buy and hold because it has worked quite well for the last 50+ years…until now. Essentially, fund companies have recognized that simply holding onto stocks for the long haul has resulted in positive returns. But, the real issue is that the buy-and-hold strategy does not take into consideration that markets can and do change.
When the market crashed in 2008, because mutual funds did not have any contingency plans to limit losses, investors were essentially left with half of what they started with prior to 2008. Sure, some funds have recovered with the market, but while you have been patiently having to wait things out, you have also missed out on some great market opportunities.
Some people just cannot be bothered (or do not have the time) to personally manage any aspect of their investment portfolio. They would rather buy index mutual funds or let someone else look after their investment success (or lack thereof). But, if you are someone who has grown frustrated with the performance of your mutual funds and bonds and have a burning desire to achieve financial freedom, we have created a simple to use and very powerful system to empower you to invest with confidence. It’s called Elevate and you can discover how it may help elevate your financial future here.
If you are looking for a great long term investment option, then we strongly suggest you keep reading because we have some great information to share with you.
Traditionally, a long term investment for the average Canadian has and continues to be in mutual funds and bonds. As we all lead busy lives, we have grown comfortable trusting an investment management company to make the right choices to help grow our nest-egg. However, recent events have made investors not just in Canada, but across the globe rec0nsider whether their long term investments still make sense in the current economic climate.
Does Buy & Hold Still Make Any Sense?
To understand why mutual fund companies and other investment firms have been negatively affected by the recent market correction we need to briefly talk about their investment strategy. The core of it is very simple: find great companies with solid balance sheets and growth potential and hold on to them (regardless of what the market does). Why would they operate this way when events like 2008 eroded upwards of 50% of the value for the average diversified equity based mutual fund?
Simply put, that strategy had worked up to that point. In other words, for the last 50+ years the buy-and-hold strategy has worked to generate positive return on investment. This confirmation bias has made the mutual fund firms overconfident and thus when 2008 hit the market, buy and hold investors were blindsided by an event not ever seen before.
Moreover, because the strategy has never incorporated any concrete rules to measure investment risk and limit losses, investors have been told to “ride it out”. In the meantime, as the markets have started to recover, buy and hold investors have missed out on market opportunities because they have been stuck in losing investments “riding them out”.
A Better Way
If you are someone who has invested in mutual funds using a RRSP, TFSA or financial advisor you are a perfect match for our Elevate System. What is this program all about?
Well simply put, we have created a system of investing in the market which first, uses only a few minutes of your time each day (5 minutes tops). Second, you can use this program to discover market opportunities in the evening (so there is no worry about trying to fit in time during your busy day schedule). Third and probably one of the most important, the Elevate System is designed to capture large market gains and also keep you out of large market corrections . All of this translates into an easy to use system that empowers you to build wealth with confidence. Click here to discover how Elevate can empower you to invest with confidence.
Who we are
Founded in 1999, Canrich is a leading company dedicated to empowering individuals to invest with confidence. Our simple to use Elevate System paired with our dedicated training and support continues to empower our customers to take advantage of market opportunities while effectively managing the uncertainty of the markets.
Click here to discover more about our Elevate System and how we may help you elevate your financial future.Archives