Maximizing Returns: How to Reinvest Proceeds from a Bond Call/Maturity
Imagine this: you’ve held a reliable bond for years, earning steady income and watching it anchor your portfolio through market ups and downs. Then, one day, the issuer decides to call or redeem the bond earlier than expected. Suddenly, you find yourself with a lump sum of cash and an important decision to make. In […]
Debt Reduction and Investing: Finding the Right Balance
When it comes to managing personal finances, two of the most common goals people set are reducing debt and building wealth through investing. Both are important, but many investors struggle with the question: Should I pay down my debt first, or should I start investing? The answer isn’t always straightforward, as it depends on the […]
From Crayons to College: Why Saving Alone Won’t Get Your Child to University
When your child picks up their first crayon, college may feel like a distant dot on the horizon. But blink, and you’re shopping for uniforms, schoolbooks, and wondering how you’ll afford tertiary education a decade from now. Whether you’re planning to send your child to college in Jamaica or overseas, saving alone won’t cut it, […]
Is the Sky Falling?
2025 has not been the easiest year for investors. Since Donald Trump was sworn in for a second term as US president, there has been fear of a recession, tariff wars, geopolitical tension and overall panic in the investment landscape. Considering any of these would certainly make any investor disoriented and wonder if the sky […]
“Safe” Might Be the New Risk
There is a quiet risk building in portfolios right now, and it is not inflation, interest rates, or geopolitical shocks. It is hesitation. Across boardrooms, WhatsApp chats, and Sunday dinner tables, you will hear the same thing: “I’m waiting to see what happens.” Whether it is a Federal Reserve decision, a United States election twist, […]
To tender or not to tender, that is the question
This past week, the Government of Bahamas issued a “tender offer” for some of the notes it has issued. This means that the issuer offered to buy your bond back before its maturity. In a tender offer, the issuer usually offers a price slightly above market to incentivize holders to participate. The tender price may […]
Why Quantitative Tightening Could Redefine Your Investment Strategy
Understanding the Shift in Market Conditions Quantitative tightening (QT) is a shift that’s quietly changing the rules of the game for investors. As major central banks scale back the balance sheet expansions of the past decade, investors who once relied on liquidity-driven markets now face a more selective environment. QT isn’t just a technical process; […]
The Importance of Collateral Quality
In the world of investing, the terms “collateral” or “security” often come up, particularly when discussing secured investment products. Collateral refers to financial instruments such as stocks, bonds, or other assets, that secure an investment and provide a safety net for both the investor and the issuing party. However, not all collateral is created equal. […]
USD Fixed Income in Retirement Planning
Retirement is no longer the end of the road—it’s the start of an entirely new stage of life. As Susan Wilner Golden emphasizes in her book Stage (Not Age), we must rethink how we approach later life. Retirement isn’t a passive time defined by slowing down—it’s a stage rich with potential for growth, reinvention, and […]
A Drop in Value Isn’t a Locked-In Loss
In times of uncertainty, it’s natural to feel a little uneasy when you check your investment portfolio and see a dip in value. Headlines may be alarming, markets may be choppy, and it might feel like your hard-earned money is disappearing. But before you make any sudden moves, it’s important to remember one key principle: […]
Tariffs, trade wars and turmoil….
In recent months, the imposition of tariffs by various countries has raised significant concerns about the potential for trade wars and the ensuing market volatility. As nations implement tariffs on imported goods to protect domestic industries, the ripple effects can create a turbulent economic environment, impacting various asset classes and ultimately affecting your investment strategies. […]
Wealth Destruction vs. Wealth Distribution: Key Differences and Economic Impact
Wealth plays a crucial role in economic stability, but how it is managed can lead to vastly different outcomes. Two key concepts in economic discussions are wealth destruction and wealth distribution. While both involve shifts in financial resources, they differ significantly in causes, effects, and societal implications. Understanding Wealth Destruction Wealth destruction refers to the […]
The Illusion of Motion vs. The Power of Action
In a world that glorifies busyness, many mistake movement for progress. We shuffle papers, refresh stock charts, jump in and out of investments, and convince ourselves that we’re making strides. But are we? The illusion of motion is a dangerous trap—one that keeps us engaged but not necessarily advancing. In contrast, the power of action […]
Market Jitters: Should You Cash Out or Hold Steady?
Lately, one question keeps coming up in conversations with our clients and prospective clients: Should I cash out now? With the Trump administration back in power and uncertainty looming over financial markets, it’s no surprise that many are feeling uneasy. The fear of potential losses is real, and the temptation to liquidate your investments to […]
Perpetual Wisdom or Lasting Regret? The Pref Share Dilemma
Preference shares are a type of stock that typically pay fixed dividends, which are disbursed before any dividends to common shareholders. This predictable income can make them appealing to fixed-income investors but before adding them the fixed income investor should consider the pros and cons of holding them in their portfolio. There are many positives […]
Are My Stocks and Other Securities in Good Hands?
Recent financial scandals have served as stark reminders of the critical importance of thoroughly vetting any financial institution before entrusting it with your hard-earned money. Many investors who placed their confidence in certain institutions have faced difficulties recovering their funds, highlighting the risks of investing without proper due diligence. However, evaluation should not stop once […]
Knowing the source of (dis)information
In today’s fast-paced financial landscape, information spreads quickly across various platforms, and making sound investment decisions can be an overwhelming task. The difference between success and failure often hinges on the quality and timeliness of the information we receive. Therefore, understanding how to identify reliable sources and differentiate between factual data and misleading information is […]
Imagine the Possibilities of Passive Income
Picture a life where your time is truly yours. Where your mornings aren’t dictated by alarms and commutes, but by the soft glow of the sunrise and the gentle rhythm of waves meeting the shore. A life where you choose how to spend your day—pursuing passions, traveling the world, or simply being present with loved […]