SIMPLIFYING WEALTH FOR CANADIANS Helping you frame financial decisions through the lens of living a good life IIROC AdvisorReport Meet our Client Relationship Team We offer comprehensive Wealth Management services to Canadians. The PWL Capital team can help you achieve your financial goals. Contact us for more information. Ben Wilson Advisor Services Lead, Associate Portfolio Manager, CFP®, CIM® PWL Capital Team Jaclyn Cecereu Financial Planner, Investment Advisor, CFP®, BComm. PWL Capital Team Jordan Tarasoff Financial Planner, Associate Portfolio Manager, CFA, CFP®, CIM®, CIWM, CLU PWL Capital Team Brady Plunkett Portfolio Manager CIM®, CFP® PWL Capital Team Phillip Briggs Associate Portfolio Manager, Financial Planner CFP®, CIM® PWL Capital Team Melissa Laursen Financial Planning Associate, Investment Advisor QAFP™ PWL Capital Team Jordan Carter Financial Planning Associate, Investment Advisor PWL Capital Team Mathieu Huneault Financial Planning Associate, Investment Advisor PWL Capital Team Cadence Berry Project Support Officer PWL Capital Team Kelly Thomas Financial Planning Associate, Investment Advisor PWL Capital Team Mark McGrath Financial Planner, Associate Portfolio Manager, CFP®, CIM®, CLU PWL Capital Team Louai Bibi Financial Planning Associate PWL Capital Team Joel Barwick Financial Planning Associate, CFP® PWL Capital Team Latest Ideas & Insights Episode 282: Dr. Jim Grubman: The Psychology of Wealth Dec 7, 2023 Personal Wealth Episode 281: Lifecycle Asset Allocation, and Retiring Successfully with Justin King Nov 30, 2023 Personal Wealth Episode 280: Shane Parrish: Clear Thinking in Everyday Life Nov 23, 2023 Personal Wealth Episode 279: Stock Returns in Recessions, and FSRA’s Approach to Regulation Nov 16, 2023 Personal Wealth Twelve Observations About the Big Canadian Pension Managers and Eight Takeaways for Individual Investors Nov 9, 2023 Personal Wealth Episode 278: Juhani Linnainmaa: Financial Advisors, and the Cross Section of Returns Nov 9, 2023 Personal Wealth Model Portfolio For illustration purposes only. Actual client portfolios may differ. As of October 31, 2023. 40% Stocks - 60% Bonds 50% Stocks - 50% Bonds 60% Stocks - 40% Bonds 70% Stocks - 30% Bonds 80% Stocks - 20% Bonds 100% Stocks - 0% Bonds Model Portfolio Performance 40% Stocks - 60% Bonds YTD Return 3.00% 1-Year Total Return 5.00% 3-Year Annualized Return 3.15% 5-Year Annualized Return 3.46% 10-Year Annualized Return 3.92% 20-Year Annualized Return 4.84% Worst Drawdown (05/2007-02/2009) -18.90% Drawdown - Time to Recovery (from the bottom) 11 months 20-Year Annualized Standard Deviation 5.78% Model Portfolio Performance 50% Stocks - 50% Bonds YTD Return 3.01% 1-Year Total Return 5.16% 3-Year Annualized Return 4.41% 5-Year Annualized Return 4.19% 10-Year Annualized Return 4.56% 20-Year Annualized Return 5.35% Worst Drawdown (05/2007-02/2009) -24.70% Drawdown - Time to Recovery (from the bottom) 14 months 20-Year Annualized Standard Deviation 7.00% Model Portfolio Performance 60% Stocks - 40% Bonds YTD Return 3.05% 1-Year Total Return 5.30% 3-Year Annualized Return 5.72% 5-Year Annualized Return 4.86% 10-Year Annualized Return 5.17% 20-Year Annualized Return 5.87% Worst Drawdown (05/2007-02/2009) -30.10% Drawdown - Time to Recovery (from the bottom) 20 months 20-Year Annualized Standard Deviation 8.22% Model Portfolio Performance 70% Stocks - 30% Bonds YTD Return 3.09% 1-Year Total Return 5.40% 3-Year Annualized Return 7.03% 5-Year Annualized Return 5.49% 10-Year Annualized Return 5.85% 20-Year Annualized Return 6.37% Worst Drawdown (05/2007-02/2009) -35.10% Drawdown - Time to Recovery (from the bottom) 23 months 20-Year Annualized Standard Deviation 9.46% Model Portfolio Performance 80% Stocks - 20% Bonds YTD Return 3.17% 1-Year Total Return 5.56% 3-Year Annualized Return 8.42% 5-Year Annualized Return 6.17% 10-Year Annualized Return 6.32% 20-Year Annualized Return 6.77% Worst Drawdown (05/2007-02/2009) -39.80% Drawdown - Time to Recovery (from the bottom) 24 months 20-Year Annualized Standard Deviation 10.70% Model Portfolio Performance 100% Stocks - 0% Bonds YTD Return 3.50% 1-Year Total Return 5.95% 3-Year Annualized Return 11.57% 5-Year Annualized Return 7.53% 10-Year Annualized Return 7.48% 20-Year Annualized Return 7.69% Worst Drawdown (05/2007-02/2009) -48.00% Drawdown - Time to Recovery (from the bottom) 48 months 20-Year Annualized Standard Deviation 13.17% Recommended Resources I'm looking for Market Statistics White Papers Model Portfolios Important Documents Client Guides Market Statistics White Papers Model Portfolios Important Documents Client Guides Market Statistics – October 2023 Market Statistics – September 2023 Market Statistics – August 2023 Market Statistics – July 2023 Market Statistics – June 2023 Evidence Based Investing Market Statistics – October 2023 Published: November 2, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors Evidence Based Investing Market Statistics – September 2023 Published: October 3, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors Evidence Based Investing Market Statistics – August 2023 Published: September 12, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors Market Statistics – July 2023 Published: August 4, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Market Statistics – June 2023 Published: July 4, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Market Statistics – October 2023 Contributors Learn More Market Statistics – September 2023 Contributors Learn More Market Statistics – August 2023 Contributors Learn More Market Statistics – July 2023 Learn More Market Statistics – June 2023 Learn More Permanent Life Insurance Financial Planning Assumptions for Market-Cap Weighted & Factor-Tilted Portfolios (Methodology Guide) Financial Planning Assumptions (Factor-Tilted Portfolio) Financial Planning Assumptions (Market Capitalization Weighted Portfolio) Optimal Compensation, Saving, and Consumption for Owners of Canadian Controlled Private Corporations Evidence Based Investing Permanent Life Insurance Published: September 7, 2023 Insurance is a financial contract designed to transfer risk from an individual or entity (the insured) toan insurance company (the insurer). Contracts are priced based […] Contributors Evidence Based Investing Financial Planning Assumptions for Market-Cap Weighted & Factor-Tilted Portfolios (Methodology Guide) Published: August 3, 2023 This guide describes PWL Capital’s methodology for estimating the expected returns, standard deviations,and correlations of major asset classes over a 30-year planning horizon. These parameters […] Contributors Evidence Based Investing Financial Planning Assumptions (Factor-Tilted Portfolio) Published: July 31, 2023 This guide is intended to provide Canadian financial planners with our best estimates of future asset class returns and volatilities to produce financial projections for […] Contributors Evidence Based Investing Financial Planning Assumptions (Market Capitalization Weighted Portfolio) Published: July 31, 2023 This guide is intended to provide Canadian financial planners with our best estimates of future asset class returns and volatilities to produce financial projections for […] Contributors Evidence Based Investing Optimal Compensation, Saving, and Consumption for Owners of Canadian Controlled Private Corporations Published: April 27, 2023 The optimal compensation structure for individuals with a corporation residing in Ontario was investigated in terms of sustainable spending and final after-tax net worth. Four […] Contributors Permanent Life Insurance Contributors Learn More Financial Planning Assumptions for Market-Cap Weighted & Factor-Tilted Portfolios (Methodology Guide) Contributors Learn More Financial Planning Assumptions (Factor-Tilted Portfolio) Contributors Learn More Financial Planning Assumptions (Market Capitalization Weighted Portfolio) Contributors Learn More Optimal Compensation, Saving, and Consumption for Owners of Canadian Controlled Private Corporations Contributors Learn More Capital Team – Dimensional Global Portfolios – October, 2023 Capital Team – Dimensional Global Portfolios – September, 2023 Capital Team – Dimensional Global Portfolios – August, 2023 Capital Team – Dimensional Global Portfolios – July, 2023 Capital Team – Dimensional Global Portfolios – June, 2023 Capital Team – Dimensional Global Portfolios – October, 2023 Published: November 15, 2023 This document provides the performance data for Dimensional Global Portfolios for October 31, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors Capital Team – Dimensional Global Portfolios – September, 2023 Published: October 17, 2023 This document provides the performance data for Dimensional Global Portfolios for September 30, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors Capital Team – Dimensional Global Portfolios – August, 2023 Published: September 12, 2023 This document provides the performance data for Dimensional Global Portfolios for August 31, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors Capital Team – Dimensional Global Portfolios – July, 2023 Published: August 16, 2023 This document provides the performance data for Dimensional Global Portfolios for July 31, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Capital Team – Dimensional Global Portfolios – June, 2023 Published: July 14, 2023 This document provides the performance data for Dimensional Global Portfolios for June 30, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Capital Team – Dimensional Global Portfolios – October, 2023 Contributors Learn More Capital Team – Dimensional Global Portfolios – September, 2023 Contributors Learn More Capital Team – Dimensional Global Portfolios – August, 2023 Contributors Learn More Capital Team – Dimensional Global Portfolios – July, 2023 Learn More Capital Team – Dimensional Global Portfolios – June, 2023 Learn More Transaction and Adminstration Fees Strip Bond Information Statement Brochures Your 2022 Tax Return – Tax Reporting Information HISA INFORMATION The Safe-Keeping of your Assets Transaction and Adminstration Fees Published: December 7, 2023 Strip Bond Information Statement Brochures Published: November 7, 2023 Your 2022 Tax Return – Tax Reporting Information Published: December 2, 2022 To help you complete your income tax return, the following document is an overview of the most common Canadian tax slips. HISA INFORMATION Published: November 2, 2022 The release of the Bill C-86 which introduced sweeping changes to the Bank Act’s consumer protection framework, involving key amendments related to selling practices and […] Personal Wealth The Safe-Keeping of your Assets Published: October 30, 2020 PWL Capital is structured such that all your assets are held in accounts in your name by our carrying broker, National Bank Independent Network. When you deposit money to your accounts, the cheque is made out to NBIN, never PWL. Any movements of funds or securities in or out of your accounts can only be executed with your written authorization. Transaction and Adminstration Fees Learn More Strip Bond Information Statement Brochures Learn More Your 2022 Tax Return – Tax Reporting Information Summary To help you complete your income tax return, the following document is an overview of the most common Canadian tax slips. Learn More HISA INFORMATION Learn More The Safe-Keeping of your Assets Summary PWL Capital is structured such that all your assets are held in accounts in your name by our carrying broker, National Bank Independent Network. When you deposit money to your accounts, the cheque is made out to NBIN, never PWL. Any movements of funds or securities in or out of your accounts can only be executed with your written authorization. Learn More Strip Bond Information Statement Brochures HISA INFORMATION Strip Bond Information Statement Brochures Published: November 7, 2023 HISA INFORMATION Published: November 2, 2022 The release of the Bill C-86 which introduced sweeping changes to the Bank Act’s consumer protection framework, involving key amendments related to selling practices and […] Strip Bond Information Statement Brochures Learn More HISA INFORMATION Learn More
Jordan Tarasoff Financial Planner, Associate Portfolio Manager, CFA, CFP®, CIM®, CIWM, CLU PWL Capital Team
Episode 281: Lifecycle Asset Allocation, and Retiring Successfully with Justin King Nov 30, 2023 Personal Wealth
Episode 279: Stock Returns in Recessions, and FSRA’s Approach to Regulation Nov 16, 2023 Personal Wealth
Twelve Observations About the Big Canadian Pension Managers and Eight Takeaways for Individual Investors Nov 9, 2023 Personal Wealth
Episode 278: Juhani Linnainmaa: Financial Advisors, and the Cross Section of Returns Nov 9, 2023 Personal Wealth
Evidence Based Investing Market Statistics – October 2023 Published: November 2, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors
Evidence Based Investing Market Statistics – September 2023 Published: October 3, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors
Evidence Based Investing Market Statistics – August 2023 Published: September 12, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors
Market Statistics – July 2023 Published: August 4, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […]
Market Statistics – June 2023 Published: July 4, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […]
Evidence Based Investing Permanent Life Insurance Published: September 7, 2023 Insurance is a financial contract designed to transfer risk from an individual or entity (the insured) toan insurance company (the insurer). Contracts are priced based […] Contributors
Evidence Based Investing Financial Planning Assumptions for Market-Cap Weighted & Factor-Tilted Portfolios (Methodology Guide) Published: August 3, 2023 This guide describes PWL Capital’s methodology for estimating the expected returns, standard deviations,and correlations of major asset classes over a 30-year planning horizon. These parameters […] Contributors
Evidence Based Investing Financial Planning Assumptions (Factor-Tilted Portfolio) Published: July 31, 2023 This guide is intended to provide Canadian financial planners with our best estimates of future asset class returns and volatilities to produce financial projections for […] Contributors
Evidence Based Investing Financial Planning Assumptions (Market Capitalization Weighted Portfolio) Published: July 31, 2023 This guide is intended to provide Canadian financial planners with our best estimates of future asset class returns and volatilities to produce financial projections for […] Contributors
Evidence Based Investing Optimal Compensation, Saving, and Consumption for Owners of Canadian Controlled Private Corporations Published: April 27, 2023 The optimal compensation structure for individuals with a corporation residing in Ontario was investigated in terms of sustainable spending and final after-tax net worth. Four […] Contributors
Capital Team – Dimensional Global Portfolios – October, 2023 Published: November 15, 2023 This document provides the performance data for Dimensional Global Portfolios for October 31, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors
Capital Team – Dimensional Global Portfolios – September, 2023 Published: October 17, 2023 This document provides the performance data for Dimensional Global Portfolios for September 30, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors
Capital Team – Dimensional Global Portfolios – August, 2023 Published: September 12, 2023 This document provides the performance data for Dimensional Global Portfolios for August 31, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors
Capital Team – Dimensional Global Portfolios – July, 2023 Published: August 16, 2023 This document provides the performance data for Dimensional Global Portfolios for July 31, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […]
Capital Team – Dimensional Global Portfolios – June, 2023 Published: July 14, 2023 This document provides the performance data for Dimensional Global Portfolios for June 30, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […]
Your 2022 Tax Return – Tax Reporting Information Published: December 2, 2022 To help you complete your income tax return, the following document is an overview of the most common Canadian tax slips.
HISA INFORMATION Published: November 2, 2022 The release of the Bill C-86 which introduced sweeping changes to the Bank Act’s consumer protection framework, involving key amendments related to selling practices and […]
Personal Wealth The Safe-Keeping of your Assets Published: October 30, 2020 PWL Capital is structured such that all your assets are held in accounts in your name by our carrying broker, National Bank Independent Network. When you deposit money to your accounts, the cheque is made out to NBIN, never PWL. Any movements of funds or securities in or out of your accounts can only be executed with your written authorization.
HISA INFORMATION Published: November 2, 2022 The release of the Bill C-86 which introduced sweeping changes to the Bank Act’s consumer protection framework, involving key amendments related to selling practices and […]