News & Updates

Structured Notes

Principal At Risk (PAR) structured notes are the most complicated instruments we recommend to clients. We are breaking them down for you this month and giving you a couple of examples of ones that some of you have owned. Structured notes can work in a portfolio as an alternative to fixed income.

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January 2023 Newsletter – Peeking Out of the Woods

As we know, 2022 was a tough year in both the bond and equity markets. There were several events that created this environment, including: a wave of cash from COVID benefits drove spending, resulting in inflation and causing central bankers to raise interest rates rapidly; the war in Ukraine sent a shock around the world; and the continued lockdowns in China wreaked havoc on supply chains worldwide.

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December 2022 newsletter: Always Darkest Before the Dawn

Can I still reach financial independence? What’s up with the markets? These are questions we all struggle with. It is a function of age. It is a function of debt (read mortgage), and it is also a function of desire. Desire means the propensity to save for your future.

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How to survive a bear attack

Humans have three ways of dealing with conflict: fight, flight, or freeze. In this bear market, many investors might be in freeze mode, keeping cash on the sidelines as global markets continue their rough ride. In the first six months of 2022, the S&P 500 was down -20.6% while the Nasdaq dropped -29.5%. The S&P/TSX, MSCI Europe, and MSCI EAFE also fell -11.1%, -15.5%, and -21.0%, respectively during this same period.[1] Investors holding on to cash may be waiting to see what will happen with the following issues.

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where is the bottom

Where is the Bottom?

It would be nice to know that answer but when it comes to market timing, one of Zoe’s favourite quotes comes to mind: “You are either lucky or you’re wrong.” Big stock downturns are normal, albeit unpleasant. Since 1950, the S&P 500 index has fallen more than 20% from its high on ten different occasions.

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April Newsletter - What’s Up with Inflation?

April Newsletter – What’s Up with Inflation?

Wow, like most, we got a pretty good shock this past weekend at the gas pump and the grocery store. Inflation in Canada is at a whopping 5.7%. The Bank of Canada’s (BOC) 2% target rate seems to be way in the rear-view mirror and to add insult to injury, the BOC boosted interest rates by 0.50% last week…make it stop. 

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The opinions contained herein are the opinions of the author and readers should not assume they reflect the opinions or recommendations of Wellington-Altus Private Wealth. Assumptions, opinions and information constitute the author’s judgement as of the date this material and subject to change without notice. We do not warrant the completeness or accuracy of this material, and it should not be relied upon as such. Before acting on any recommendation, you should consider whether it is suitable for your particular circumstances and, if necessary, seek professional advice. Graphs and charts are used for illustrative purposes only and do not reflect future values or future performance of any investment. The information does not provide financial, legal, tax or investment advice. Particular investment, tax, or trading strategies should be evaluated relative to each individual’s objectives and risk tolerance. All third party products and services referred to or advertised in this presentation are sold by the company or organization named. While these products or services may serve as valuable aids to the independent investor, WAPW does not specifically endorse any of these products or services. The third party products and services referred to, or advertised in this presentation, are available as a convenience to its customers only, and WAPW is not liable for any claims, losses or damages however arising out of any purchase or use of third party products or services. All insurance products and services are offered by life licensed advisors of Wellington-Altus. Wellington-Altus Private Wealth Inc. is a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada. All trademarks are the property of their respective owners.