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ESG investing: Does it work?

Richard Morin

Richard Morin

Date of last update :

Date of last update :

The planet is overheating and the oceans will soon contain more plastic than fish.

Outgoing tide

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

We have just experienced one of the biggest tides in the modern history of financial markets.

FHSA? TFSA? RRSP? What will your strategy be?

Marc-Antoine Carrier

Marc-Antoine Carrier

Date of last update :

Date of last update :

What should you prioritize if you are planning to buy your first property? FHSA , TFSA or RRSP?

The Press: The owl of Mount Royal and our investments

La Presse - Nicolas Bérubé

La Presse - Nicolas Bérubé

Date of last update :

Date of last update :

For a long time, I thought that the owl of Mount Royal was an urban legend.

Apocalypse, really?

Richard Morin

Richard Morin

Date of last update :

Date of last update :

In the company of strategist and Senator Clément Gignac on Radio-Canada's Les faits d'abord, Richard Morin comments on the recent comments made by the...

What a difference a year makes!

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

January 11, 2023

In December 2021, the policy rate of the major central banks was close to 0% and US government bonds were yielding 1.5%.

Want to drop your insurance policy? Read this.

Patrick Beaumont

Patrick Beaumont

Date of last update :

Date of last update :

December 8, 2022

Before dropping an insurance policy, check its value.

The day after the night before

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

The financial markets have had a challenging first half of the year to say the least. Inflation vs. recession 2020

The markets are falling, what do we do?

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

Stock markets are down for the 7th week in a row.

War and inflation

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

The financial markets are currently affected by 2 major events.

To hell with the pandemic!

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

January 19, 2022

Against all expectations, the world's stock markets had an excellent year in 2021.

The Myth of High Dividend Stocks

Richard Morin

Richard Morin

Date of last update :

Date of last update :

January 6, 2022

Some myths die hard. "Dividend stocks are a hedge against inflation.

Bonds, the unloved ones!

Richard Morin

Richard Morin

Date of last update :

Date of last update :

December 3, 2021

Covid-19 omicron variant caused major stock market jitters

Return of volatility - 3rd quarter 2021 review

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

October 15, 2021

The financial markets have gently reminded us that stocks don't always just go up.

Inflation - 1st Quarter 2021 Review

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

If we could predict the evolution of only one economic data, we would probably choose inflation.

The real revolt of small investors

Richard Morin

Richard Morin

Date of last update :

Date of last update :

February 15, 2021

Forget Gamestop, AMC, Robinhood and Reddit. This is where the real small investor revolt is happening.

Skeptics will be confounded! - 2020 Year in Review

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

January 14, 2021

After fees, a Canadian balanced portfolio generated about 8% return in 2020.

Inflation or deflation? - Review 3rd quarter 2020

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

October 20, 2020

The balanced portfolio invested 60% in stocks and 40% in bonds did its job.

All that glitters is not gold

Richard Morin

Richard Morin

Date of last update :

Date of last update :

At nearly US$2,000, the price of gold is at an all-time high, up more than 25% in 2020 and 50% since the beginning of 2019.

The risks of guaranteed capital investments

Richard Morin

Richard Morin

Date of last update :

Date of last update :

Many financial institutions are currently focusing on their guaranteed investment certificates (GICs) or deposit bills.

1st quarter 2020 - Pandemic Covid-19

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

Stock market correction: a little perspective

Richard Morin

Richard Morin

Date of last update :

Date of last update :

The financial markets are currently experiencing their most turbulent period since the 2008 financial crisis.

Stay the course, this storm will pass

Richard Morin

Richard Morin

Date of last update :

Date of last update :

Your portfolio is like an ocean liner sailing the financial markets.

The stock market is a roller coaster ride: listen to your financial advisor!

Richard Morin

Richard Morin

Date of last update :

Date of last update :

In the space of a month, we have gone from record highs in the stock markets.

Q4 2019 - A very good decade of performance!

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

February 4, 2020

A great 2019 for the stock markets.

Entrepreneur at heart

Richard Morin

Richard Morin

Date of last update :

Date of last update :

November 11, 2019

The Finance et Investissement journal devotes an article to the president and founder of Archer Gestion de Patrimoine.

3rd quarter 2019: A duel to finish

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

October 11, 2019

Instead, we are talking about the discordant signals that the stock markets are sending us.

You don't have to be Warren Buffett

Richard Morin

Richard Morin

Date of last update :

Date of last update :

October 11, 2019

Retirement planning is a much greater source of anxiety than it was for our parents.

The stock market is not a movie theater!

Richard Morin

Richard Morin

Date of last update :

Date of last update :

September 26, 2019

La Presse recently published an article entitled "Will index funds screw up the markets?"

The ABCs of negative interest rates and the impact on your portfolio

Richard Morin

Richard Morin

Date of last update :

Date of last update :

August 30, 2019

Would you accept that your bank charges you 0.6% per year to hold your money?

The Fable of the Deserted Beach

Richard Morin

Richard Morin

Date of last update :

Date of last update :

August 30, 2019

In the early 1990s, financial academics discovered the equivalent of deserted beaches in investment!

Q2 2019: The importance of diversification

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

Canadian bonds - up 2.51% - and Canadian and developed country equities explain the portfolio's good performance.

1st quarter 2019

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

Equity markets experienced strong growth in the first quarter of 2019

4th Quarter 2018: Correction

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

January 31, 2019

2018 marked the end of the party. The U.S. president has finally moved forward with his protectionist policies.

3rd quarter 2018: appreciation of the loonie

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

November 14, 2018

A multitude of outbursts from Mr. Trump that had the effect of cooling the confidence of many investors.

Q2 2018: protectionism and tensions

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

The Bank of Canada projects the global economy to grow by 3.75% for 2018.

1st quarter 2018: anything but relaxing

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

The lifting of protectionism by our southern neighbors has brought a lot of uncertainty and volatility to the markets.

3rd quarter 2017: the economic planet is doing well!

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

January 27, 2018

Nearly a decade after the fact, the global economy is beginning to shake off the legacy of the financial crisis.

4th quarter 2017: the skeptics were confounded!

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

January 27, 2018

Financial Markets. 2017 was supposed to be the year of all dangers.

Your financial advisor's 10 jobs. #4: developing your investment policy

Simon Houle

Simon Houle

Date of last update :

Date of last update :

January 6, 2018

Help you understand how your financial advisor works with you throughout your life to achieve your goals.

The 10 tasks of your financial advisor. #2: determine your financial and personal goals

Simon Houle

Simon Houle

Date of last update :

Date of last update :

November 24, 2017

Help you understand how your financial advisor works with you throughout your life to achieve your goals.

The 10 tasks of your financial advisor. #3: building your investor profile

Simon Houle

Simon Houle

Date of last update :

Date of last update :

November 24, 2017

Help you understand how your financial advisor works with you throughout your life to achieve your goals.

Some year-end tax saving tips

Simon Houle

Simon Houle

Date of last update :

Date of last update :

October 25, 2017

When it comes to your personal finances, it's time to perform a few tasks to close out the year and set the table for 2018.

The mirage of smart beta

Richard Morin

Richard Morin

Date of last update :

Date of last update :

October 18, 2017

An exchange-traded fund is expected to outperform the market indexes. Sounds too good to be true? It is!

The 10 tasks of your financial advisor. #1: know your current situation and take stock

Simon Houle

Simon Houle

Date of last update :

Date of last update :

October 10, 2017

Help you understand how your financial advisor works with you throughout your life to achieve your goals.

Leaving a job: the impact on personal finances and retirement

Simon Houle

Simon Houle

Date of last update :

Date of last update :

September 14, 2017

You are considering leaving your job to pursue your career with another company or to become an entrepreneur.

How to increase your retirement income by 35

Richard Morin

Richard Morin

Date of last update :

Date of last update :

September 11, 2017

Is your financial advisor acting in your best interest?

Richard Morin

Richard Morin

Date of last update :

Date of last update :

September 11, 2017

Your advisor will be better - often much better - compensated for selling you a mutual fund.

The family trust...an entrepreneur's best friend

Simon Houle

Simon Houle

Date of last update :

Date of last update :

September 11, 2017

Quebec has the highest income tax rate in the country. This is true for individuals, but also for businesses.

Lighten your tax bill with exchange-traded funds

Richard Morin

Richard Morin

Date of last update :

Date of last update :

September 11, 2017

Exchange-traded funds (ETFs) can help reduce your tax bill. How can they help?

Testamentary trust: taking care of your loved ones after your death

Simon Houle

Simon Houle

Date of last update :

Date of last update :

September 11, 2017

Do you want to leave an inheritance to your children, but are concerned that they are not yet mature enough to manage it?

Review first quarter 2017

Financial letter

Richard Morin

Richard Morin

Date of last update :

Date of last update :

September 11, 2017

The balanced portfolio is up almost 3% since the beginning of the year.

3 reasons not to rely on mutual fund returns

Richard Morin

Richard Morin

Date of last update :

Date of last update :

September 11, 2017

The performance of your portfolio remains mediocre and is nothing like what you see in marketing brochures.

Richard Morin on the AMF's Advisory Committee on Financial Products

Richard Morin

Richard Morin

Date of last update :

Date of last update :

September 11, 2017

Richard Morin has been appointed member of the Advisory Committee on Financial Products of the Autorité des marchés financiers.

2nd quarter 2017: foreign investments save the day

Richard Morin

Richard Morin

Date of last update :

Date of last update :

Foreign investments saved the day in Q2 2017, despite the rising C$.

Reduce your tax bill: the three Ds of taxation

Simon Houle

Simon Houle

Date of last update :

Date of last update :

You may have been surprised by your tax bill and resolved to implement a strategy to pay less in the future.

Do you really need a financial advisor?

Richard Morin

Richard Morin

Date of last update :

Date of last update :

You pay, directly or indirectly, between 0.25% and 1.00% of your capital annually to compensate your financial advisor.

Follow Warren Buffett's advice

Richard Morin

Richard Morin

Date of last update :

Date of last update :

Small and large investors should stick to low-cost index funds.

New player in portfolio management

Richard Morin

Richard Morin

Date of last update :

Date of last update :

The journal Finance et Investissement dedicates an article to the launch of Archer Gestion de Patrimoine.

5 reasons to use exchange traded funds

Richard Morin

Richard Morin

Date of last update :

Date of last update :

Exchange-traded funds (ETFs) are gaining popularity as an alternative to stock picking (stocks and bonds) and mutual funds.

A richer life.

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