Clear-eyed perspectives on investing, fees, and long-term wealth — written for Canadians who want to make better, calmer decisions.
Many actively managed funds promise the potential to outperform the market through research, timing, and professional management. While some managers do outperform in certain periods, long-term studies consistently show that the majority struggle to beat their benchmark indexes after fees are taken into account. This doesn’t mean active management has
Many investors focus on market performance, asset allocation, and stock selection, but often overlook one of the most significant factors affecting long-term wealth: investment fees. A Management Expense Ratio (MER) of 2% may not seem substantial in any given year, but over decades, those fees can quietly consume a large
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