Fiduciary Trust Canada

• Standing Up to Negative Yields
• Roland Chalupka
• April
• 2013
• Know the challenges and the options and you'll be better able to navigate the current bond market. Now is the time to discuss what works best for you.

• Tiptoeing to Growth
• Elizabeth F. Lunney
• April
• 2013
• As economic evidence sparks cautious optimism and temperamental markets improve, our investment strategy is pushing performance forward. See how our thinking is adding value.

• A Tax-Efficient Class of Their Own
• Giles D. Marshall
• April
• 2013
• Corporate Class Funds are an often-overlooked means of addressing the tax impact on returns. Take advantage of tax-free compounding and a low capital gains tax rate.

• New Consumers, New Ideas
• Stephen H. Dover, Lisa F. Myers, Nancy J. Grant
• April
• 2013
• From green tea Oreos in China to Asian Paints in India, get a fresh view of the long-term rising consumption theme. See what portfolio managers are saying about today's opportunities.

• Breaking the Cycle of Investment Regret
• Fiduciary Trust Canada
• April
• 2013
• This article examines the field of behavioral economics and provides insight into how simply being human affects the decisions we make about money and investing. At Fiduciary Trust Canada, we feel this information helps to explain behaviours that may interfere with achieving long-term goals and provides useful suggestions for addressing these issues.

• Your Emotions and Your Money (video)
• Giles Marshall
• April
• 2013
• Behavioral Finance pairs psychology with economics - in this video, Giles Marshall discusses how people, even when armed with the relevant facts, sometimes make irrational investment decisions.

• Fiduciary Trust Canada Presentation
• Elizabeth Lunney
• February
• 2013
• This informative presentation includes a brief introduction to Fiduciary Trust Canada, a market update as of the end of 2012 and an overview of how corporate class funds provide an opportunity for tax-efficient investing.

• Understanding Tolerance vs. Capacity
• Investment Executive Article
• February
• 2013
• Reprinted from Investment Executive newspaper, Roland Chalupka and other professionals share insights on helping clients understand how risk tolerance and risk capacity affect meeting financial goals.

• Inflation or Not, Don't Get Caught
• Roland Chalupka
• Winter
• 2012
• Day-to-day life tells us "price creep" is alive and well. Understanding the nuances of inflation can help preserve your wealth despite the quiet erosion underway.

• Shaping Future Results
• Elizabeth Lunney
• Winter
• 2012
• See which assets drove Q4 performance and the themes that will influence 2013 results. We look at China, Europe, concerns about U.S. equities and Canada's corporate and consumer health.

• Straight Talk on Cyclicals
• Giles D. Marshall
• Winter
• 2012
• Love 'em or hate 'em for their roller-coaster ride, cyclical stocks can be performance pistons in a diversified portfolio

• The Dividends of Rising Popularity
• Donald Taylor, Les Stelmach, Nancy Grant
• Winter
• 2012
• Dividend-paying stocks are hot. See what Canadian and U.S. portfolio managers are saying about opportunities and the price of growing popularity.

• Duty First
• James Chisholm
• Winter
• 2012
• We operate based on the fiduciary duty implicit in our name and the ethics underpinning how our portfolio managers manage discretionary investments.

• Talk About Renminbi
• Roland Chalupka
• Fall
• 2012
• China is motivated to reap the economic and financial benefits of becoming the world's dominant currency. What changes will China need to make and what are the implications for international investing?

• Staying the Course
• Elizabeth F. Lunney
• Fall
• 2012
• While the true economic impact of quantitative easing is debatable, clearly ongoing policy intervention adds an element of volatility to today's markets. Elizabeth Lunney outlines the potential effects on asset allocation strategy.

• Deconstructing Equities
• Giles D. Marshall
• Fall
• 2012
• New and seasoned investors alike seem reticent to ask: how are equity returns generated? In seeking to understand the underlying causes we can evaluate the importance of equities in your portfolio.

• In China Today
• Donald F. Reed, Andrew C. W. Sleeman, Nancy J. Grant
• Fall
• 2012
• China writes its next chapter, roundtable participants share their views on investing in China now.

• Avoiding Humpty Dumpty
• James P. Chisholm
• Fall
• 2012
• How would your net worth respond to an unexpected negative event? Specifics shape the details of each situation; however, we find such discussions typically focus on three key areas.

• A Little Birdie Told Me…
• James P. Chisholm
• Fall
• 2012
• The emergence of Twitter Inc. as a social media phenomenon has been nothing short of spectacular, with 100 million active users now tweeting 33 billion messages per day. Can all of this tweeting provide insight for investors or is it just more noise?

• Investors' Four-letter Word
• Roland Chalupka
• Summer
• 2012
• To many investors, risk is something to be avoided at all costs. Roland Chalupka explains why risk is a normal and necessary aspect of investing and how Fiduciary Trust's asset managers are dealing with current risks.

• Improving by Inches
• Elizabeth F. Lunney
• Summer
• 2012
• Although Europe's sovereign debt problems and political brinkmanship continue to threaten near-term market stability, positive developments in that region as well as North America bode well for continued global growth.

• Growth of a Different Kind
• Giles D. Marshall
• Summer
• 2012
• Economic themes currently hang heavy over the global economy. But for patient investors who can see beyond see beyond the bleakness, signs of secular growth point to opportunities now and in the future.

• See the Other Sides of Europe
• J. Mark Mobius, Martin Cobb, Nancy J. Grant
• Summer
• 2012
• In this quarter's roundtable on Europe, moderator Nancy Grant and Templeton portfolio managers Mark Mobius and Martin Cobb shed light on the region's current turbulence and the opportunities emerging from what may be a period of maximum pessimism.

• The People Piece
• James P. Chisholm
• Summer
• 2012
• When making decisions about investing in the emerging markets, properly applied demographics can help investors understand the longer-term growth paths for these regions. This article delves into the numbers that can work for—and against—the growth prospects for a number of emerging nations.

• Feeling the Squeeze
• Stephen E. Reichenfeld
• Summer
• 2012
• The challenges of eldercare can appear daunting, especially for baby boomers who may be supporting two generations—their children and their parents. But planning and good advice can help smooth the path.

• All the World's A Stage
• Roland Chalupka
• Spring
• 2012
• Manoeuvring through the markets today requires a sense of the relationships among the world's major economic powers – Europe, the United States and China. This article provides an overview of the key players and their connections at work.

• Signs of Optimism Emerge
• Elizabeth F. Lunney
• Spring
• 2012
• Renewed liquidity in Europe, spending cuts in developed economies and increasing possibility of a soft landing in China; are we seeing a real recovery? While there is room for cautious optimism, be aware of the remaining headwinds.

• Words at Work
• Angela Maitland
• Spring
• 2012
• Analysts are trained to think about the future in a framework of scenarios and probabilities that is reflected in carefully weighed words and phrases. Discover the deeper meaning of "cautiously optimistic".

• Wading into US Markets
• Frank Felicelli, Philippe Brugère-Trélat, Nancy J. Grant
• Spring
• 2012
• Is it time to plunge back into the stormy waters of US investments? Managing director Frank Felicelli, portfolio manager Philippe Brugère-Trélat and consultant Nancy Grant share their views in this lively RoundTable discussion.

• How Healthy is Your Real Estate Relationship?
• James P. Chisholm
• Spring
• 2012
• Property ownership is a source of pride. But what is it doing for your net worth? Developing trends may test the real estate romance in the years ahead. Knowing exactly what you own can help manage risk and guide investment decisions.

• Opportunities Despite the Drama
• Roland Chalupka
• Winter
• 2012
• There's more to market volatility than macroeconomic and political headlines. Find out what else is behind the past four years of heightened volatility and why conditions are ripe for opportunities and optimism.

• Investing Beneath the Arch
• Elizabeth F. Lunney
• Winter
• 2012
• Pressure is mounting for medium- to long-term solutions to the unfolding political and debt drama in Europe. Find out how the managers of your Funds are focusing on relative risk/reward trade-offs and macro themes to help chart safe passage through churning markets.

• The Facts of Risk Today
• Elizabeth F. Lunney
• Winter
• 2012
• For the past while, the flow of commentary from the popular press and market strategists about unprecedented levels of market and political risk has been relentless. But is this unprecedented situation true and if so, what does it mean for your portfolio?

• The Advantage of No
• Giles D. Marshall
• Winter
• 2012
• Markets have caused investors ample frustration over the past few years. While it's natural at such times to consider liquidating assets, seeking guarantees or chasing performance, there are good reasons to keep emotions in check.

• Simply Cashless
• James P. Chisholm
• Winter
• 2012
• No cash? No problem. Just pay the bill with your mobile phone. Near Field Communication (NFC) chip technology, already on the wish list of a number of technology and wireless companies, may be the answer to improving labour productivity and increasing profitability in a slow-growth economy.

• The Local Global Link
• Roland Chalupka
• Spring
• 2011
• In the wake of geopolitical events in the Middle East, energy supply and security have once again become an area of concern for investors. Portfolio Manager Roland Chalupka has been closely studying the link between global economics and regional politics for signs of rising inflation, development of alternative energy sources and unexpected political alliances.

• Riding the Rising Tide
• Fiduciary Trust Canada
• Spring
• 2011
• As certain as spring, interest rates are headed upwards. Tom O'Gorman, Senior Vice President, Director of Fixed Income, Bissett Investment Management, takes a look at the factors influencing interest rates and discusses how to thrive in the changing environment.

• Sizing Up Inflation
• Angela Maitland
• Spring
• 2011
• The measurement of inflation plays a pivotal role in the Bank of Canada's ability to manage monetary policy and fulfill its goal of influencing expectations for future inflation. But does the current process accurately reflect the cost of living people experience in their daily lives?

• A New Act Begins
• Elizabeth F. Lunney
• Winter
• 2011
• Markets struggled in 2010 under the weight of policy in regions such as the United States, Europe and China. Though markets are always challenged by uncertainty, we believe the stage may now be set for more clarity in 2011.

• Emotion Versus Fact
• Roland Chalupka
• Winter
• 2011
• Over the last four years, investors and markets have swung between greed and fear, seemingly disregarding the facts and underlying market trends related to specific investment opportunities. Our RoundTable participants discuss the conflicting emotions keeping markets uneasy and investors on the sidelines.

• How to Spend Your Retirement
• Fiduciary Trust Canada
• Fall
• 2010
• After years of planning for and dreaming about retirement, many investors find they are uneasy about shifting from decades of saving and building a retirement portfolio to drawing income from their investments. The best strategy for dealing with these and related retirement issues is to discuss them ahead of time.

• Talk about Returns
• Angela Maitland
• Fall
• 2010
• How do you measure equity returns? Heading into the back stretch of 2010, we offer a primer to provide you with some clarity around current numbers and expectations for the months ahead.

• Stability, Safety and Growth
• Stephen H. Dover, Frank M. Felicelli, Nancy J. Grant
• Summer
• 2010
• What's happening with U.S. equities? Join RoundTable participants: Stephen Dover, International Chief Investment Officer, Local Asset Management Products, Franklin Templeton Investments (U.S.); Frank Felicelli, Executive Vice President and Chief Investment Officer, Franklin Templeton Portfolio Advisors, Inc.; and Nancy Grant, consultant to Fiduciary Trust Company of Canada, as they take a closer look at challenges and opportunities south of the border.

• Seeing Beyond the Clouds
• Fiduciary Trust Canada
• Summer
• 2010
• During tumultuous times, investor sentiment tends to gravitate to simplified extremes-both positive and negative. For clear-headed decision-making, investors need to the put the past few years of extreme market events into perspective.

• Your Human Capital
• Angela Maitland
• Summer
• 2010
• Recent economic theory suggests your human capital should be an integral part of risk management and asset mix decision making. Is your future income more like a stock or a bond—and how does that affect your financial plan?

• Taking the Step in Between
• Angela Maitland
• Spring
• 2010
• Planning and implementing the transition from capital generation to income withdrawal often raises questions for investors. In the second of a two-part article, Vice President and Portfolio Manager Angela Maitland discusses some steps that can help shape the transition to an income orientation.

• Investment Income Matters
• Donald G. Taylor, Nancy J. Grant
• Spring
• 2010
• As retirement draws near, you face the challenge of shifting your portfolio from a capital-generating engine to a cash-providing machine. Choosing how much income you can comfortably draw and how to allocate assets to match your portfolio's income role are some of the most important investment decisions you may ever make for your retirement portfolio.

• How Much Income Will You Have?
• Angela Maitland
• Winter
• 2010
• As retirement draws near, you face the challenge of shifting your portfolio from a capital-generating engine to a cash-providing machine. Choosing how much income you can comfortably draw and how to allocate assets to match your portfolio's income role are some of the most important investment decisions you may ever make for your retirement portfolio.

• Investing in a Changing World
• Giles D. Marshal
• Winter
• 2010
• The highly synchronized market experience of the past few years demonstrated just how much smaller the world has become for investors. In addition, the strong Canadian dollar's whittling away of international returns may be testing investors' patience. Nonetheless, we believe investing beyond Canada's borders can still play an important role in investment strategies and portfolio construction.

• Putts Put Risk in Perspective
• Fiduciary Trust Canada
• Fall
• 2009
• The emotional preference to avoid the negative rather than gain an equal positive is at play in golf and investing. Discover why people will keep losing stocks in the hope they will at some point turn around, while readily selling winners.

• More than a Nine-Letter Word
• Stephen E. Reichenfeld
• Fall
• 2009
• The word "fiduciary" comes from the Latin word for trust—but the fiduciary relationship between client and trustee involves much more.

• Currents of Change
• Roland Chalupka
• Summer
• 2009
• Governments and regulatory agencies around the world move to redefine the rules of how the world's financial markets operate. Roland Chalupka highlights the tectonic shifts in relative economic and global power underway in the world today.

• Buying the Future
• J. Mark Mobius, Lisa F. Myers, Nancy J. Grant
• Summer
• 2009
• For the first time in history, over half of the world's population is middle-class. Roundtable panelists Mark Mobius of Singapore, Lisa Myers of Nassau and Nancy Grant from Calgary debate the role of emerging market consumers in shaping the global economy and the new investment opportunities being created as a result.

• Strategies at Work
• Angela Maitland
• Summer
• 2009
• How patient or aggressive should an investment strategy be? Angela Maitland discusses how active management can add value to a portfolio in the current environment.

• Left, Right or Straight Ahead?
• Stephen E. Reichenfeld
• Spring
• 2009
• Private Wealth Counsellor Stephen Reichenfeld discusses factors to weigh when thinking about changing your wealth management plan or choosing to stay the course.

• Quietly Producing Results
• Giles D. Marshall
• Spring
• 2009
• They may be bland, even boring but history shows dividends, and those companies that pay them, generally grow even when investors choose to look the other way.

• Below the Surface
• Eric Takaha, Darcy Briggs, Nancy J. Grant
• Spring
• 2009
• In this RoundTable discussion, bond experts Eric Takaha and Darcy Briggs join Nancy Grant to help guide readers through the multi-dimensional world of today's fixed income markets.

• Starting to Shift Gears
• Fiduciary Trust Canada
• Summer
• 2009
• Investors can underestimate the fundamental differences between a "working" portfolio and a retirement portfolio. Fiduciary Trust Canada introduces some practical tactics that can help you build a portfolio that works throughout retirement.

• Discipline Drives Decisions
• Fiduciary Trust Canada
• Winter
• 2009
• As the barrages of market news and volatility continues, FTCC portfolio managers are focused on preserving wealth in the short term and generating value over the long term.

• The Next Step?
• Angela Maitland
• Fall
• 2008
• Volatile markets heighten the importance of a long-term wealth management plan and disciplined decision-making. Angela Maitland reviews the fundamental themes that are integral to effective planning.

• Looking Pessimism in the Eye
• Fiduciary Trust Canada
• Fall
• 2008
• Successful investment minds agree: buy when everyone else is selling. Then why is it so difficult? Find out why even smart investors struggle to see opportunity amid uncertainty.

• Invest with inflation in mind
• Fiduciary Trust Canada
• Summer
• 2008
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• Managing Risk in Narrow Market Conditions
• Giles D. Marshall
• Summer
• 2008
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• Longevity is Affecting Retirement Planning
• Stephen Lingard
• Spring
• 2008
• Stay focused on the long term with tips for avoiding the top 10 investor traps and ensuring you have financial security, no matter how long you live.

• Running the rapids with style
• Stephen Lingard, Donald Huber, Nancy J. Grant
• Spring
• 2008
• Our quarterly RoundTable focuses on the role of investment management style in your portfolio.

• Long-term Strategy Trumps Short-term Volatility
• Elizabeth F. Lunney
• Spring
• 2008
• "Time and timing" can directly influence decision making and portfolio performance, and Portfolio Director Elizabeth Lunney describes how FTCC combines active management with a long-term perspective.

• When emotions run high
• Giles D. Marshall
• Winter
• 2008
• Emotions and investing are a high octane combination. Behavioural Finance looks at how such factors influence rational decision making. Read about traits such as loss aversion and regret, anchoring, mental accounting. Find out how discipline creates opportunities.

• Redefining retirement
• Stephen E. Reichenfeld
• Summer
• 2007
• The face of retirement is changing dramatically. The success of your retirement lies not only in the dollars saved, but the life plans you have in place. Discover how life's bigger picture comes into play during retirement planning.

• Investing in certainty
• Roland Chalupka
• Spring
• 2007
• Will I have enough to sustain my lifestyle throughout retirement? That question often leads to discussion about guaranteed returns or payments. We look at the risk/reward trade-offs of guaranteed investments, their ripple effects and changing options as retirement draws closer.

• Know your liquidity factor
• Stephen E. Reichenfeld
• Winter
• 2007
• Uncover the "sleeper" in your portfolio. You know your goals, risk tolerance and time horizon, but do you know your liquidity factor? We share our views on building flexibility into your wealth management plan.

• Where art and science meet
• Elizabeth F. Lunney
• Fall
• 2006
• Creating a balanced portfolio takes more than knowledge of investment theory. We look at the art of investment, including the ways judgment and past experience can influence the recommendations your portfolio manager makes.

• Investing in the realities of political risks
• Fiduciary Trust Canada
• Summer
• 2006
• Investors know the constant stream of political news and events influences the markets. But how do we weigh political risk in formulating our investment strategy? What role does it play in managing your portfolio? Find out.

• Rethink Income Investing
• Eric Takaha, Lisa F. Meyers, Nancy J. Grant
• Summer
• 2006
• Low interest rates, new RRSP content rules, and a plethora of global income opportunities are prompting investors to rethink income investing. RoundTable panelists Eric Takaha, Lisa Myers and Nancy Grant explore how to strategically diversify your portfolio and highlight where yield opportunities can currently be found.

• When You Become One
• Fiduciary Trust Canada
• Summer
• 2006
• What do you do when you suddenly find yourself newly single and in charge of the family investments? We highlight steps for choosing a trusted advisor and gaining a clear picture of your situation. We suggest ways to help make a confusing time less so.

• When is enough . . . enough?
• Fiduciary Trust Canada
• Summer
• 2005
• How do you avoid moving backwards financially, particularly once the ability or drive to generate cash in the same capacity wanes? Discover what we mean by building critical mass into your wealth management plan and how knowledge truly is power when it comes to managing your assets.

• Avoid the lure of fashionable investing
• David Bissett, Canyon Chan, Nancy J. Grant
• Spring
• 2005
• From tulip bulbs in the 1600s to the dot-com craze of the 1990s, there have, and always will be market fads. So how do you distinguish between what's speculation and what's real investment opportunity? Read what RoundTable panelists, David Bissett, Canyon Chan and Nancy Grant say about seeing past the hype currently surrounding income trusts and hedge funds.