markets (7)

Market Perspectives

Some great links provided by CI Global Investments


Stick to Your Plan
Most stock market gains are achieved shortly after a bear

This chart shows how major indices performed from the bottom of the 08/09 Financial Crises, March 9, 2009, over the next 3+ years. You
can see once a bottom had been reached the market reacts swiftly and positively. It’s important to stick to the plan you and your advisor
have designed as leaving the market could cause you to miss out on large gains.
Missing out on large gains makes it very difficult to break-even and achieve the long-term return required to meet your financial goals.


Downside Volatility is Normal


Historical Bull Markets Versus Bear Markets
75+ Years of the S&P 500 Index Expansions & Downturns


Resist the Urge to Time the Market
The best and worst trading days happen close together:


The case for diversification

It is nearly impossible to predict what class will generate the highest returns in any given year. Investors benefit from
diversification and reduce their risk by allocating to a variety of asset classes. A strong financial plan will incorporate
investments into different asset classes that react differently to ensure investors reduce their overall risk.


Trust in the plan you and your advisor created
Don’t let emotions take over: staying invested leads to better


Read more…

2020 US Presidential Election

PEAK Disclosure - Click to Be Informed

We have been flooded with commentary for some time now, today is the day the USA go to vote, the big wrap up. Thought I would share some perspective form some of our sources that study the market and economic implications of th three possible outcomes. 

"Regardless of who wins, we expect that the U.S. and global economy will have a strong recovery next year and short-term interest rates will remain low."

For IA Clarington Investments report click on the link below , it drills down , I have clipped the initial highlights for you below.

2020 Pre-Election Commentary.pdf

Scenario 1: Biden wins
What is the impact of a Biden presidency in the short and long term?

Regardless of who wins, we expect that the U.S. and global economy will have a strong recovery next year and short-term interest rates will remain low.

Global trade sentiment would improve.

A corporate tax increase could have a negative impact on earnings power and the market in general.


Scenario 2: Trump wins
What is the impact of a Trump presidency in the short and long term?

We expect economic growth to accelerate at a faster pace under a Trump administration.

We are not expecting a large tax cut.


Scenario 3: No clear result
What is the potential impact of a no-decision on election night?

We believe the risk of not having a result for an extended period is being overplayed in the media.


One might be wondering what are the current market values ?  Click below for the lastest weekly update that TD Wealth has compiled. 

Weekly Market Report - Nov 2 2020.pdf

Some highlights you can read, YTD Oil is down 41.4% ,  Canadian Markets down in the -9% range, US -4 to + 26% range, Europe -7 to -26 % range, Bonds  7 to 10 % range, Canada Government Bonds 1.25%  , Housing Starts are down a bit  (10% range) Unemployment  @ 7.9% vs 3.5% year end 2019 . 


As I glean some more, I will add them here.  No doubt we are driving on a broken road, the pavement is a little bumpy. 

Also check out the comment sections for articles

Some Morning After Commentaries Nov 4 2020 US Presidential Election (Client Friendly).pdf
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Homework Dec 28 2019

Let’s bring more value to our clients

#1 Trusted Advisor

- able to talk about the things that really matter the most 

- like, why your wealth matters

Reflecting ”it’s why we help families achieve life’s major goals”

#2 Network Access

- I have lived in this region for most of my adult life, I do have a large network of contacts in various areas that can benefit our clients should a need come up, we can connect you


#3  Specialization

- excelling in client segmentation is the hallmark of top advisors. Your able to demonstrate your core values in your stories that people can relate to. This brings value to the relationship. 

We have developed relationships with Family’s that have businesses. Those that have an entrepreneurial insight that in many ways flows from our tax business. We have a lot of legacy clients and referrals from this foundation built over the last thirty years. We need to get better at telling our story. We have reduced risk by providing SRI practices in our investment solutions and portfolios that use pension management asset allocation processes. Stable returns with less risk. All this reduces risk, providing confidence and word of mouth opportunities to share what we have done, all within a confidential environment. Our team continues to grow and specialize within the different areas we discover are important to Achieve Life’s Major Goals. 


Timothy L. Ross Family Advisor © , Since 1988

Helping Families Achieve ...Life’s Major Goals ©

* One Stop Process Driven Approach for Retirement & Income Planning
* Personalized Tax Management Solutions for Individuals & Business Owners
* Confidential Wealth Management Solutions 

Mutual Funds  through PEAK Investment Services Inc.

 Brock Shores Financial 

We help families plan and implement strategies to accomplish "Life's Major Goals"

  • Tax Smart Planning & Investing
  • Worry Free Retirement
  • Education of Our Children & Grandchildren
  • Quality Care For Our Parents
  • Meaningful Financial Help For Our Loved Ones
  • Meaningful Legacy


Markets - Tuna is basically on sale


Things that “could” happen 


Reviewing my farm paper, I came across this resource and encouraging place #RootedInStrength

What greater gift than the love of a cat. ~ Charles Dickens 
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Factors to consider


Great article that speaks to the regularness of what we are experiencing this year.

 Everyone’s situation is different and how we process risk concepts is different. We often utilize this strategy to smooth out the risk so our clients do not worry during troubled times. ( from a media perspective) 




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