Deciding on an Investment

Deciding on an Investment The Financialist • Issue 108 • January 2011 BY CLAY GILLESPIE BBA CFP CIM FCSI What is the first question that comes to mind when deciding on an investment? Is it the rate of return? Is it the safety o...

[Read more...]

What is Retirement Income Planning?

What is Retirement Income Planning? The Financialist • Issue 101 • April 2009 BY CLAY GILLESPIE BBA CFP CIM FCSI Retirement income planning is a process, not an event. To effectively deal with it, there needs to be a strategy ...

[Read more...]

Income in Retirement

Income in Retirement The Financialist • Issue 94 • July 2007 BY CLAY GILLESPIE BBA CFP CIM FCSI When it comes to retirement income planning, there is no perfect strategy or simple solution. However, there are a few fundamenta...

[Read more...]

When to Sell

When to Sell The Financialist • Issue 90 • October 2006 BY CLAY GILLESPIE In any portfolio, perhaps the most difficult decision is when to sell an investment. By definition, every portfolio will have one investment that is lag...

[Read more...]

Investor Behaviour

Investor Behaviour The Financialist • Issue 89 • April 2006 BY CLAY GILLESPIE A recent study by Dalbar, Inc. (a US research firm) concluded: "Investment return is far more dependent on investor behavior than on fund performance...

[Read more...]

Financial Life Cycle

Financial Life Cycle December 2005 BY CLAY GILLESPIE Financial planning is not a onetime event but, rather, a dynamic process that changes with you throughout your lifetime. There are basically three phases to your Financial...

[Read more...]

Using Life Insurance for Retirement Savings? Look before you Leap!

Using Life Insurance for Retirement Savings? Look Before You Leap! The Financialist • Issue 84 • October 2004 BY CLAY GILLESPIE & JIM ROGERS Many Canadians are aware of the need to save for retirement.  Higher income ...

[Read more...]