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Independent Investment Planning

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Investment Planning

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Articles in Investment Planning

Why Fee-Only Investing Beats Bank Mutual Funds
Investment Planning

Why Fee-Only Investing Beats Bank Mutual Funds

Your bank advisor seems free. The truth is in the fine print of every mutual fund statement.

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How to Build a Globally Diversified Portfolio
Investment Planning

How to Build a Globally Diversified Portfolio

Most Canadian investors are heavily overweight in Canadian stocks — often without realizing it.

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Understanding Risk Tolerance for Engineers and Trades Workers
Investment Planning

Understanding Risk Tolerance for Engineers and Trades Workers

Your career, your pay structure, and your industry all shape how much investment risk actually makes sense.

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The Power of Low-Cost Index Investing
Investment Planning

The Power of Low-Cost Index Investing

Most actively managed funds underperform their benchmark over time, after fees. Here's what that means for you.

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What "MER" Actually Costs You Over 20 Years
Investment Planning

What "MER" Actually Costs You Over 20 Years

A 1.5% fee difference sounds trivial. Run the numbers over two decades, and it isn't.

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Rebalancing Your Portfolio: When and Why It Matters
Investment Planning

Rebalancing Your Portfolio: When and Why It Matters

Left alone, your portfolio drifts away from its intended allocation — and not always in the direction you'd choose.

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Concentrated Stock Positions: The Hidden Risk for Oil Patch and Tech Employees
Investment Planning

Concentrated Stock Positions: The Hidden Risk for Oil Patch and Tech Employees

If a significant share of your wealth and your paycheque depend on the same company, you may be carrying more risk than you realize.

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Investing for Women: Closing the Confidence Gap, Not the Knowledge Gap
Investment Planning

Investing for Women: Closing the Confidence Gap, Not the Knowledge Gap

Women aren't worse investors — but many feel less confident, and that gap has real consequences.

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Segregated Funds vs. Mutual Funds: What's the Real Difference?
Investment Planning

Segregated Funds vs. Mutual Funds: What's the Real Difference?

Segregated funds come with insurance-related guarantees and a higher cost. Here's when that trade-off makes sense.

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RESPs and Education Investing: Getting the Free Money Without the Mistakes
Investment Planning

RESPs and Education Investing: Getting the Free Money Without the Mistakes

The Canada Education Savings Grant is one of the few genuinely "free money" programs available — if you avoid the timing traps.

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Stress-Testing Your Portfolio: Could You Handle a 2008 or 2020?
Investment Planning

Stress-Testing Your Portfolio: Could You Handle a 2008 or 2020?

Most people discover their true risk tolerance during a market crash — the worst possible time to find out.

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Portfolio Construction 101: How the Pieces Actually Fit Together
Investment Planning

Portfolio Construction 101: How the Pieces Actually Fit Together

Diversification, account types, asset allocation, rebalancing — the real value comes from how they work together.

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Joanne David CFP FCSI

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