Mutual Funds

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CRM2: When Disclosure Fails To Disclose

The Client Relationship Model - Phase 2 (CRM2) is a new set of industry regulations meant to provide Canadian investors with more details on their investment costs and performance. It was developed by the Canadian Securities Administrators, an organization representing Canada's investment industry regulators.

Timing Is Everything

We all invest for the same reason, yet we don't all get the same results. It isn't just the investments we buy. Timing your next contribution or Registered Retirement Income Fund (RRIF) payment is abo...

Advisor, Salesman or Thief?

If you like rants read on... I've had it with an industry that screws young people because of its own greed. Why is it that the government has absolutely no concern for the well-being of the next gene...
Alamy

The Difference Between a Mutual Fund and a Seatbelt

Like seatbelts, when it comes to public safety, the Federal Government can intervene. So why ban on Deferred Sales Charges? Quite simply, it's an issue of public safety. There is nothing beneficial to the consumer about a DSC. As a matter of fact, it's nothing more then a legalized trap created by companies that produce and market mutual (and segregated) funds.
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What the Mutual Fund Industry Isn't Telling You

I don't believe the average person has any idea of what an imbedded commission is or how it affects them. As a matter of fact, I wouldn't be surprised if most investors of mutual funds had a better understanding of how a black hole works. The root of this conundrum is that advisors who sell mutual funds usually get paid from the fund companies.
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Seven Things to Know About Investing

There are a lot of people who make over $200,000 per year, have over $1,000,000 of investable assets and are often encouraged to invest more than $150,000, without knowing very much about investing. Just because you make a lot of money, or have a lot of money, doesn't mean it should be acceptable to have someone take it from you.
Alamy

Financial Planners May Not Have Your Best Interests in Mind

There is a major battle going on in the financial services industry, and your welfare is at stake. What's the war over? Whether or not the person you're trusting to invest your money is legally required to act in your best interest. Right now, they only have to make sure the investments they're selling you are "suitable." I would like to see legislation for fiduciary duty and I'll tell you why.