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Are You as Frugal as You Can Be?

We are almost two months into 2026. Pause for a moment and think back to December 31st. The vision board. The fresh notebook. The promises whispered: This is the year…

2021-12-06

Income or growth?

Before making any investment decision, it is important to first determine the objective of the investment and how it is...

2021-11-29

Is speculating right for you?

Broadly speaking, financial markets are made up of investors and speculators. Investing and speculating are not the same. The terms are often...

2021-11-22

What is your risk profile?

Mirror mirror on the wall who is the savviest investor of them all? Many times, the new investor is looking...

2021-11-15

When your crystal ball doesn’t work so well – talking taper again!

In my July article, which was based on reasonable analyses and deductions, I predicted that the U.S. Federal Reserve Bank...

2021-11-08

Is investing only for the rich?

In a recent Sterling Asset Management panel discussion on Investing and Insurance, a question was raised that seems to be...

2021-11-01

Lifestyle Inflation

Congratulations you have finally gotten that promotion you have been working so hard for and with that promotion your salary...

2021-10-25

Adding bond funds to your portfolio

An investment fund is a financial vehicle that pools money contributed by a group of individuals to invest in different...

2021-10-18

To sell or not to sell – that is the question

Interest rates are low and have been for quite some time, so it may be hard to remember a time...

2021-10-11

Assessing the risk of default

Every investment has a probability of default – it has quantitative and qualitative components. If you are buying a bond...

2021-10-04

A deeper look at credit spreads

In an earlier article this year, I remarked that the paradox of bond prices rising as interest rates rise could...

2021-09-27

Investing my windfall

Everyone’s journey in life is different. We take different paths to achieving our goals and some paths may be more...

2021-09-20

Emotional investing

It is often quoted, “An investors worst enemy is not the market but his or her own emotions”. There are...

2021-09-13

Bond laddering for predictable cash flow

A popular investment strategy for an investor seeking a predictable cash flow is bond laddering. Bond laddering is in essence...

2021-09-06

Is volatility always a bad thing

There are always things happening to unnerve markets and cause volatility, from changes in commerce, to politics, to economic outcomes...

2021-08-30

Returns at different risk levels

It’s widely known that the return you earn is a function of the risk you take. Higher risk equals higher...

2021-08-23

Call and make me whole

One of the most overlooked features of a bond is a make-whole call provision but one can be forgiven for...

2021-08-16

Credit quality

In the investment world, the terms credit, credit risk and credit quality are repeatedly used when speaking about different asset...

2021-08-09

Setting financial goals

If you don’t know where you are going how will you get there? Many of us have an idea of...

2021-08-02

The numbers that matter

Bonds are fixed-income investments that many investors use for a steady stream of income, especially during retirement. When buying a...

2021-07-26

Why you should use a mortgage even when you have enough cash

Real estate is a popular component of most investment portfolios. Indeed, it is important to own one’s home and many...

2021-07-19

Let’s “taper” talk

“Fed Taper” talk is in the air again, well at least the talking about talking about phase which can be...

2021-07-12

Financial independence

The idea of financial independence (FI) can be different for many people. For some, the idea of FI is one...

2021-07-05

Misconceptions of investors who are young

There are many beliefs and misconceptions that are held by young investors today. Often great opportunities are lost because of...

2021-06-28

Time Horizon: Why It Should Shape Every Investment Decision

Key Takeaways: Your investment time horizon should directly determine risk level, asset choice, and portfolio structure. Investments that suit long-term...

2021-06-21

Time Horizon: The Foundation of Smart Investment Decisions

Key Takeaways: Your time horizon determines how much risk and volatility your investments can realistically tolerate. Matching investments to your...

2021-06-13

Diversification within asset class

Many investors often think of diversifying as having different investment managers and investing in different asset classes. However, there is...

2021-06-06

Repos and risk

Arguably one of the most popular investment products in Jamaica – the “repo”. Why do Jamaicans love repos so much?...

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