Insights
Perspectives on investing, markets, and the principles that guide our approach. Learn more about the decisions that shape our portfolios, and our philosophy of steady accumulation, one considered layer at a time.
Does Anyone Really Know What The Fed Will Do Next?
Every month, the same ritual plays out. A specific number lands at 8:30AM Eastern - the much anticipated CPI print - and within minutes...
The RESP: Education Savings, With A Bonus
Contribute $2,500 to an RESP and the government adds $500 on top, the same year. It’s the closest thing to free money in the account world...
The FHSA: Two Tax Advantages, One Narrow Purpose
The First Home Savings Account, introduced in 2023, combines a feature of the RRSP with a feature of the TFSA: your contributions are tax-deductible...
The RRSP: More Than Just A Tax Break
An RRSP contribution reduces your taxable income in the year you make it. That’s the part most people know. What’s less well understood is what...
The TFSA: The Account With A Misleading Name
“Tax-Free Savings Account” might sound like something you open before a vacation. That name may have done more damage to Canadians’ long-term wealth...
The Problem With Chasing AI
It is hard to open a financial news site right now without seeing another headline about artificial intelligence. The enthusiasm is understandable.
What "Long-Term" Means To Us
Every investment firm says it. Long-term focus. Patient capital. We're not here to chase short-term noise.
Oil, Conflict, and the Case for Boring
Every time tensions flare in the Middle East, the same conversation starts up again. Oil prices spike. Energy stocks jump. Investors scramble