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The wrong perception of fully invested

on Tue, 09/27/2016 - 14:30

I remember way before I became a financial advisor, I have heard how much cash Larry Sarbit (a famous fund manager, he was at AIC at the time) would hold a large amount of cash while unit holders would be yelling and screaming “why are we paying you to hold cash?!”

Over all these years, Sarbit had never changed a bit on his money managing style ( and 

We had been always hear people talking about fully invested (an article from Forbes -

How to lock in your rates?

on Wed, 01/09/2013 - 12:03

Step away from short-term rates
Ladder your investments for a blended rate

If you think interest rates will go up, but don’t know when, consider laddering. A laddering strategy gives you a simple, long-term approach to investing your money by letting you stagger the dates you reinvest.

How does Blended Rate Laddering work?

Step 1

We divide your investment into 5 equal redeemable Ideal Term Funds. All of your money earns the same blended interest rate on the initial terms.

Laddering - Step1

The maturity dates of each of the five term funds are from one to five years.

What is needed to start earning in the market?

on Fri, 03/16/2012 - 12:22


World stocks hit 7-month peak…Again. 


Everybody is talking about the bull market that we had gone through but LOTS of people had missed. Reason behind, people are still very skeptical and they still keeping their money in GICs. Some people who are holding equities (even they are holding onto the investments) are not convinced that the market is going to go anywhere, whereas they decided to stop investing any new money into the market, hence, more money in fixed deposits and GICs.


I want to share a couple of things with you here (which I do think LOTS of us had talked about): It is