Ideas & Insights Recommended Readings Get in Touch Menu Ideas & Insights Recommended Readings Get in Touch Ideas & Insights Recommended Readings Get in Touch PWL Capital’s Bender, Bender & Bortolotti team will work hard to ensure you reach your financial goals by combining disciplined portfolio management, ongoing planning, and a commitment to attentive service. We use a traditional indexed approach that offers the broadest diversification while keeping your costs and taxes as low as possible. Our service goes well beyond investing, as we work with you to establish savings goals, plan for your retirement or other milestones, and help with all of your important financial decisions. Our team is also committed to education and investor advocacy through our award-winning blogs, white papers, podcasts and articles in the popular media. Justin Bender CFA, CFP®, TEP, B.Comm., Portfolio Manager Bender, Bender & Bortolotti Team With more than a decade of experience managing portfolios, Justin is focused on keeping costs and taxes low for his clients. His skills as an analyst and researcher have made him widely respected in the ETF industry. Shannon Bender CFP®, CIM®, B.Comm., Portfolio Manager Bender, Bender & Bortolotti Team With a passion for planning, Shannon enjoys helping clients see their investments in the context of their larger goals. Dan Bortolotti CFP®, CIM®, Portfolio Manager Bender, Bender & Bortolotti Team Dan works with clients to combine investment management with long-term financial planning. He also promotes investor education through his blog, articles and podcast. Advisors Dustin Tate CFA, MFin., Portfolio Manager Bender, Bender & Bortolotti Team Amanda Dalziel CIM®, Associate Portfolio Manager Bender, Bender & Bortolotti Team Nathan Bender Investment Advisor, CFP®, CIM, CLU, FCSI, TEP Bender, Bender & Bortolotti Team Associates Wendy Bortolotti Client Services Lead Bender, Bender & Bortolotti Team Angela Roy Operations Administrator Bender, Bender & Bortolotti Team Rebecca O’Gorman-Sankar Investment Advisor Bender, Bender & Bortolotti Team IIROC AdvisorReport DIY Investing Justin Bender Should You Dump Your All-Equity ETF? PWL Capital 2023-05-25T12:40:06 May 25, 2023 In our last blog/video, we introduced the all-equity ETFs from iShares and Vanguard. These ETFs make it easy to gain and maintain exposure to global […] DIY Investing Justin Bender All-Equity ETFs: XEQT vs. VEQT May 12, 2023 DIY Investing DIY Investing Justin Bender Tax-Efficient Changes to XEC Apr 19, 2023 DIY Investing DIY Investing Justin Bender Foreign Withholding Taxes | Emerging Markets Equity ETFs Mar 9, 2023 DIY Investing DIY Investing Justin Bender Investing in Emerging Markets Equity ETFs Feb 23, 2023 DIY Investing Reboot Your Portfolio: 9 Steps to Successful Investing with ETFs by Dan Bortolotti A step-by-step guide to a proven, simple, low-cost strategy that beats the performance of most professional money managers. With low-cost alternatives and low trading costs widely available to the average investor, why do Canadians still struggle to manage their money effectively? Many stubbornly believe that successful investing is about outsmarting the market and forecasting the economy, even though these strategies routinely fail. So, we focus on the wrong things – such as short-term market moves, or which stocks to buy – and take inappropriate risks, losing sight of the fact that a portfolio is simply a tool to help us achieve our goals: buying a house, saving for a comfortable retirement, or a university education for our kids. Whether your nest egg is $1,000 or $1 million, Reboot Your Portfolio is the roadmap you need to take control of your investments, shake off your bad habits, reduce your money stress, and enjoy the financial future you deserve. Offers a simple nine-step approach to building a low-cost, low-maintenance, diversified portfolio of exchange-traded funds (ETFs). Covers all the steps you need to know to set financial goals, select ETFs, open accounts and place orders, build and maintain your portfolio, and stick with your plan for the long haul. Written by an award-winning journalist and the creator of Canadian Couch Potato, one of the longest-running and most popular financial blogs in the country. Order your copy today Model Portfolios 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 1-Year Total Return 2.87% 3-Year Annualized Return -1.99% 5-Year Annualized Return 6.63% 10-Year Annualized Return 3.18% 20-Year Annualized Return 4.35% Worst Drawdown (05/2007-02/2009) 5.41% Drawdown - Time to Recovery (from the bottom) -18.90% 20-Year Annualized Standard Deviation 5.79% Model Portfolio Performance 50% Stocks - 50% Bonds YTD Return 1-Year Total Return 3.17% 3-Year Annualized Return -2.05% 5-Year Annualized Return 8.72% 10-Year Annualized Return 3.89% 20-Year Annualized Return 5.11% Worst Drawdown (05/2007-02/2009) 6.06% Drawdown - Time to Recovery (from the bottom) -24.70% 20-Year Annualized Standard Deviation 7.01% Model Portfolio Performance 60% Stocks - 40% Bonds YTD Return 1-Year Total Return 3.47% 3-Year Annualized Return -2.12% 5-Year Annualized Return 10.77% 10-Year Annualized Return 4.54% 20-Year Annualized Return 5.90% Worst Drawdown (05/2007-02/2009) 6.71% Drawdown - Time to Recovery (from the bottom) -30.10% 20-Year Annualized Standard Deviation 8.23% Model Portfolio Performance 70% Stocks - 30% Bonds YTD Return 1-Year Total Return 3.72% 3-Year Annualized Return -2.23% 5-Year Annualized Return 12.73% 10-Year Annualized Return 5.11% 20-Year Annualized Return 6.68% Worst Drawdown (05/2007-02/2009) 7.34% Drawdown - Time to Recovery (from the bottom) -35.10% 20-Year Annualized Standard Deviation 9.47% Model Portfolio Performance 80% Stocks - 20% Bonds YTD Return 1-Year Total Return 3.98% 3-Year Annualized Return -2.29% 5-Year Annualized Return 14.82% 10-Year Annualized Return 5.73% 20-Year Annualized Return 7.29% Worst Drawdown (05/2007-02/2009) 7.88% Drawdown - Time to Recovery (from the bottom) -39.80% 20-Year Annualized Standard Deviation 10.73% Model Portfolio Performance 100% Stocks - 0% Bonds YTD Return 1-Year Total Return 4.44% 3-Year Annualized Return -2.25% 5-Year Annualized Return 19.24% 10-Year Annualized Return 6.90% 20-Year Annualized Return 8.65% Worst Drawdown (05/2007-02/2009) 9.02% Drawdown - Time to Recovery (from the bottom) -48.00% 20-Year Annualized Standard Deviation 13.21% Recommended Resources I'm looking for Market Statistics White Papers Important Documents Calculators Model Portfolios Client Guides Market Statistics White Papers Important Documents Calculators Model Portfolios Client Guides Market Statistics – May 2023 Market Statistics – April 2023 Market Statistics – Bender, Bender & Bortolotti (January 2023) Market Statistics – Bender, Bender & Bortolotti (December 2022) Market Statistics – Bender, Bender & Bortolotti (November 2022) Market Statistics – Bender, Bender & Bortolotti (October 2022) Market Statistics – May 2023 Published: June 5, 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 – April 2023 Published: May 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 […] Market Statistics – Bender, Bender & Bortolotti (January 2023) Published: February 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 […] Market Statistics – Bender, Bender & Bortolotti (December 2022) Published: January 5, 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 – Bender, Bender & Bortolotti (November 2022) Published: December 8, 2022 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 – Bender, Bender & Bortolotti (October 2022) Published: November 3, 2022 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 – May 2023 Learn More Market Statistics – April 2023 Learn More Market Statistics – Bender, Bender & Bortolotti (January 2023) Learn More Market Statistics – Bender, Bender & Bortolotti (December 2022) Learn More Market Statistics – Bender, Bender & Bortolotti (November 2022) Learn More Market Statistics – Bender, Bender & Bortolotti (October 2022) Learn More The Passive Vs. Active Fund Monitor (2021) The Passive Vs. Active Fund Monitor Expected Investment Returns The Value Premium: Fact or Fantasy? The Passive Vs. Active Fund Monitor (Year-end 2019) Tax-loss Selling: Using Canadian-listed ETFs to defer taxes on capital gains (2019) Evidence Based Investing The Passive Vs. Active Fund Monitor (2021) Published: April 13, 2022 This report describes the competitive landscape for passively and actively managed funds from 2011 to 2020 in Canada, the United States and around the world. Contributors Evidence Based Investing The Passive Vs. Active Fund Monitor Published: April 20, 2021 This report describes the competitive landscape for passively and actively managed funds from 2011 to 2020 in Canada, the United States and around the world. Contributors Evidence Based Investing Expected Investment Returns Published: February 19, 2021 This document is intended to provide up-to-date estimates of the expected returns of asset classes and portfolios for Canadian investors. The methodology underlying these estimates is outlined in a separate document1. Contributors Evidence Based Investing The Value Premium: Fact or Fantasy? Published: November 24, 2020 The underperformance of value stocks relative to their growth counterpart in recent years has led many investors to question whether a value premium truly exists. Contributors Evidence Based Investing The Passive Vs. Active Fund Monitor (Year-end 2019) Published: April 15, 2020 This report describes the competitive landscape for passively and actively managed funds since 2010 in Canada and the United States. Contributors DIY Investing Tax-loss Selling: Using Canadian-listed ETFs to defer taxes on capital gains (2019) Published: January 13, 2020 No one likes losing money on an investment. But sometimes realizing capital losses can enhance your bottom line by reducing your tax bill while you patiently wait for markets to recover. Contributors The Passive Vs. Active Fund Monitor (2021) Summary This report describes the competitive landscape for passively and actively managed funds from 2011 to 2020 in Canada, the United States and around the world. Contributors Learn More The Passive Vs. Active Fund Monitor Summary This report describes the competitive landscape for passively and actively managed funds from 2011 to 2020 in Canada, the United States and around the world. Contributors Learn More Expected Investment Returns Summary This document is intended to provide up-to-date estimates of the expected returns of asset classes and portfolios for Canadian investors. The methodology underlying these estimates is outlined in a separate document1. Contributors Learn More The Value Premium: Fact or Fantasy? Summary The underperformance of value stocks relative to their growth counterpart in recent years has led many investors to question whether a value premium truly exists. Contributors Learn More The Passive Vs. Active Fund Monitor (Year-end 2019) Summary This report describes the competitive landscape for passively and actively managed funds since 2010 in Canada and the United States. Contributors Learn More Tax-loss Selling: Using Canadian-listed ETFs to defer taxes on capital gains (2019) Summary No one likes losing money on an investment. But sometimes realizing capital losses can enhance your bottom line by reducing your tax bill while you patiently wait for markets to recover. Contributors Learn More Your 2022 Tax Return – Tax Reporting Information HISA INFORMATION The Safe-Keeping of your Assets NBIN Best Execution Public Disclosure Statement Introducing/carrying broker disclosure statement How IIROC Protects Investors 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. Personal Wealth NBIN Best Execution Public Disclosure Statement Published: September 4, 2018 The following are recent changes to the NBF Best Execution public disclosure statement, which will be noted in this section for your reference, and will be maintained for at least the next 6 months Personal Wealth Introducing/carrying broker disclosure statement Published: September 4, 2018 National Bank Independent Network (NBIN) is a division of National Bank Financial Inc. (NBF Inc.), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF Inc. Personal Wealth How IIROC Protects Investors Published: September 4, 2018 Your advisor is providing you with this brochure so that you understand the advantages and protections offered by investing through an IIROC-regulated advisor and firm. 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 NBIN Best Execution Public Disclosure Statement Summary The following are recent changes to the NBF Best Execution public disclosure statement, which will be noted in this section for your reference, and will be maintained for at least the next 6 months Learn More Introducing/carrying broker disclosure statement Summary National Bank Independent Network (NBIN) is a division of National Bank Financial Inc. (NBF Inc.), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF Inc. Learn More How IIROC Protects Investors Summary Your advisor is providing you with this brochure so that you understand the advantages and protections offered by investing through an IIROC-regulated advisor and firm. Learn More Modified Dietz Rate of Return Calculator (2020) How to use the Rate of Return calculator Rate of Return Calculator (2017) – Modified Dietz Method Rate of Return Calculator (2016) – Modified Dietz Method Rate of Return Calculator (2015) – Modified Dietz Method Rate of Return Calculator (2014) – Modified Dietz Method DIY Investing Modified Dietz Rate of Return Calculator (2020) Published: February 24, 2020 Starting in January 2017, Canadian investors may have difficulty comparing their performance to a suitable benchmark. This is because provincial securities regulators will require advisors to report money-weighted rates of return, which are less useful for benchmarking. Contributors DIY Investing How to use the Rate of Return calculator Published: September 12, 2018 This document explains how to use the Rate of Return calculator to calculate your portfolio's annual rate of return. Contributors DIY Investing Rate of Return Calculator (2017) – Modified Dietz Method Published: September 12, 2018 By using an approximate time-weighted rate of return (such as the Modified Dietz method), investors will be better able to gauge their performance relative to index benchmarks. Contributors DIY Investing Rate of Return Calculator (2016) – Modified Dietz Method Published: September 11, 2018 By using an approximate time-weighted rate of return (such as the Modified Dietz method), investors will be better able to gauge their performance relative to index benchmarks. Contributors DIY Investing Rate of Return Calculator (2015) – Modified Dietz Method Published: September 12, 2015 By using an approximate time-weighted rate of return (such as the Modified Dietz method), investors will be better able to gauge their performance relative to index benchmarks. Contributors DIY Investing Rate of Return Calculator (2014) – Modified Dietz Method Published: September 12, 2014 By using an approximate time-weighted rate of return (such as the Modified Dietz method), investors will be better able to gauge their performance relative to index benchmarks. Contributors Modified Dietz Rate of Return Calculator (2020) Summary Starting in January 2017, Canadian investors may have difficulty comparing their performance to a suitable benchmark. This is because provincial securities regulators will require advisors to report money-weighted rates of return, which are less useful for benchmarking. Contributors Learn More How to use the Rate of Return calculator Summary This document explains how to use the Rate of Return calculator to calculate your portfolio’s annual rate of return. Contributors Learn More Rate of Return Calculator (2017) – Modified Dietz Method Summary By using an approximate time-weighted rate of return (such as the Modified Dietz method), investors will be better able to gauge their performance relative to index benchmarks. Contributors Learn More Rate of Return Calculator (2016) – Modified Dietz Method Summary By using an approximate time-weighted rate of return (such as the Modified Dietz method), investors will be better able to gauge their performance relative to index benchmarks. Contributors Learn More Rate of Return Calculator (2015) – Modified Dietz Method Summary By using an approximate time-weighted rate of return (such as the Modified Dietz method), investors will be better able to gauge their performance relative to index benchmarks. Contributors Learn More Rate of Return Calculator (2014) – Modified Dietz Method Summary By using an approximate time-weighted rate of return (such as the Modified Dietz method), investors will be better able to gauge their performance relative to index benchmarks. Contributors Learn More Team Bender, Bender & Bortolotti – Model Portfolio – March 2023 Team Bender, Bender & Bortolotti – Model Portfolio – December 2022 Team Bender, Bender & Bortolotti – Model Portfolio – September 2022 Team Bender, Bender & Bortolotti – Model Portfolio – June 2022 Team Bender, Bender & Bortolotti – Model Portfolio – March 2023 Published: April 12, 2023 This document provides the performance data for the Model ETF Portfolios as of March 2023, as compiled by the team. For illustration purposes only. Actual client […] Team Bender, Bender & Bortolotti – Model Portfolio – December 2022 Published: February 1, 2023 This document provides the performance data for the Model ETF Portfolios as of December 2022, as compiled by the team. For illustration purposes only. Actual client […] Team Bender, Bender & Bortolotti – Model Portfolio – September 2022 Published: October 24, 2022 This document provides the performance data for the Model ETF Portfolios as of September 2022, as compiled by the team. For illustration purposes only. Actual client […] Team Bender, Bender & Bortolotti – Model Portfolio – June 2022 Published: July 15, 2022 This document provides the performance data for the Model ETF Portfolios as of June 2022, as compiled by the team. For illustration purposes only. Actual client […] Team Bender, Bender & Bortolotti – Model Portfolio – March 2023 Learn More Team Bender, Bender & Bortolotti – Model Portfolio – December 2022 Learn More Team Bender, Bender & Bortolotti – Model Portfolio – September 2022 Learn More Team Bender, Bender & Bortolotti – Model Portfolio – June 2022 Learn More HISA INFORMATION 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 […] HISA INFORMATION Learn More For more of our content, be sure to visit: Canadian Portfolio Manager Tips, tools and tutorials for do-it-yourself ETF investors Canadian Couch Potato Your complete guide to index investing Contact the Bender, Bender & Bortolotti Team Name* TitleMr.Mrs.MissMs.Dr.Prof.Rev. Title First Last Email Address* Phone*City Province*AlbertaBritish ColumbiaManitobaNew BrunswickNewfoundland and LabradorNorthwest TerritoriesNova ScotiaNunavutOntarioPrince-Edward IslandQuebecSaskatchewanYukonInvestable Assets*$1,000,000 - $2,000,000$2,000,000 - $3,000,000$3,000,000 - $4,000,000$4,000,000 - $5,000,000$5,000,000 - $10,000,000More than $10,000,000 In order to keep our fees low and our service level high, PWL’s Bender, Bender & Bortolotti team is only able to work with clients with household accounts totaling $1 million or more. If you do not meet our minimum, please visit the Canadian Couch Potato and Canadian Portfolio Manager websites for a host of resources that we offer for free to all investors. __________ How did you hear about us?*How did you hear about us?Justin’s YouTube ChannelCanadian Couch PotatoCanadian Portfolio ManagerReference from a friendSocial MediaAdvertisingMedia and PressGoogleOtherMessage / CommentYES, I want to receive Essential Reads Subscribe to our newsletter Δ Bender, Bender & Bortolotti Team +1 416 203-0067 +1 866 242-0203 +1 416 203-0544 8 Wellington Street East 3rd Floor Toronto Canada Get Directions
Justin Bender CFA, CFP®, TEP, B.Comm., Portfolio Manager Bender, Bender & Bortolotti Team With more than a decade of experience managing portfolios, Justin is focused on keeping costs and taxes low for his clients. His skills as an analyst and researcher have made him widely respected in the ETF industry.
Shannon Bender CFP®, CIM®, B.Comm., Portfolio Manager Bender, Bender & Bortolotti Team With a passion for planning, Shannon enjoys helping clients see their investments in the context of their larger goals.
Dan Bortolotti CFP®, CIM®, Portfolio Manager Bender, Bender & Bortolotti Team Dan works with clients to combine investment management with long-term financial planning. He also promotes investor education through his blog, articles and podcast.
DIY Investing Justin Bender Should You Dump Your All-Equity ETF? PWL Capital 2023-05-25T12:40:06 May 25, 2023 In our last blog/video, we introduced the all-equity ETFs from iShares and Vanguard. These ETFs make it easy to gain and maintain exposure to global […]
DIY Investing Justin Bender Foreign Withholding Taxes | Emerging Markets Equity ETFs Mar 9, 2023 DIY Investing
Market Statistics – May 2023 Published: June 5, 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 – April 2023 Published: May 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 […]
Market Statistics – Bender, Bender & Bortolotti (January 2023) Published: February 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 […]
Market Statistics – Bender, Bender & Bortolotti (December 2022) Published: January 5, 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 – Bender, Bender & Bortolotti (November 2022) Published: December 8, 2022 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 – Bender, Bender & Bortolotti (October 2022) Published: November 3, 2022 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 The Passive Vs. Active Fund Monitor (2021) Published: April 13, 2022 This report describes the competitive landscape for passively and actively managed funds from 2011 to 2020 in Canada, the United States and around the world. Contributors
Evidence Based Investing The Passive Vs. Active Fund Monitor Published: April 20, 2021 This report describes the competitive landscape for passively and actively managed funds from 2011 to 2020 in Canada, the United States and around the world. Contributors
Evidence Based Investing Expected Investment Returns Published: February 19, 2021 This document is intended to provide up-to-date estimates of the expected returns of asset classes and portfolios for Canadian investors. The methodology underlying these estimates is outlined in a separate document1. Contributors
Evidence Based Investing The Value Premium: Fact or Fantasy? Published: November 24, 2020 The underperformance of value stocks relative to their growth counterpart in recent years has led many investors to question whether a value premium truly exists. Contributors
Evidence Based Investing The Passive Vs. Active Fund Monitor (Year-end 2019) Published: April 15, 2020 This report describes the competitive landscape for passively and actively managed funds since 2010 in Canada and the United States. Contributors
DIY Investing Tax-loss Selling: Using Canadian-listed ETFs to defer taxes on capital gains (2019) Published: January 13, 2020 No one likes losing money on an investment. But sometimes realizing capital losses can enhance your bottom line by reducing your tax bill while you patiently wait for markets to recover. Contributors
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.
Personal Wealth NBIN Best Execution Public Disclosure Statement Published: September 4, 2018 The following are recent changes to the NBF Best Execution public disclosure statement, which will be noted in this section for your reference, and will be maintained for at least the next 6 months
Personal Wealth Introducing/carrying broker disclosure statement Published: September 4, 2018 National Bank Independent Network (NBIN) is a division of National Bank Financial Inc. (NBF Inc.), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF Inc.
Personal Wealth How IIROC Protects Investors Published: September 4, 2018 Your advisor is providing you with this brochure so that you understand the advantages and protections offered by investing through an IIROC-regulated advisor and firm.
DIY Investing Modified Dietz Rate of Return Calculator (2020) Published: February 24, 2020 Starting in January 2017, Canadian investors may have difficulty comparing their performance to a suitable benchmark. This is because provincial securities regulators will require advisors to report money-weighted rates of return, which are less useful for benchmarking. Contributors
DIY Investing How to use the Rate of Return calculator Published: September 12, 2018 This document explains how to use the Rate of Return calculator to calculate your portfolio's annual rate of return. Contributors
DIY Investing Rate of Return Calculator (2017) – Modified Dietz Method Published: September 12, 2018 By using an approximate time-weighted rate of return (such as the Modified Dietz method), investors will be better able to gauge their performance relative to index benchmarks. Contributors
DIY Investing Rate of Return Calculator (2016) – Modified Dietz Method Published: September 11, 2018 By using an approximate time-weighted rate of return (such as the Modified Dietz method), investors will be better able to gauge their performance relative to index benchmarks. Contributors
DIY Investing Rate of Return Calculator (2015) – Modified Dietz Method Published: September 12, 2015 By using an approximate time-weighted rate of return (such as the Modified Dietz method), investors will be better able to gauge their performance relative to index benchmarks. Contributors
DIY Investing Rate of Return Calculator (2014) – Modified Dietz Method Published: September 12, 2014 By using an approximate time-weighted rate of return (such as the Modified Dietz method), investors will be better able to gauge their performance relative to index benchmarks. Contributors
Team Bender, Bender & Bortolotti – Model Portfolio – March 2023 Published: April 12, 2023 This document provides the performance data for the Model ETF Portfolios as of March 2023, as compiled by the team. For illustration purposes only. Actual client […]
Team Bender, Bender & Bortolotti – Model Portfolio – December 2022 Published: February 1, 2023 This document provides the performance data for the Model ETF Portfolios as of December 2022, as compiled by the team. For illustration purposes only. Actual client […]
Team Bender, Bender & Bortolotti – Model Portfolio – September 2022 Published: October 24, 2022 This document provides the performance data for the Model ETF Portfolios as of September 2022, as compiled by the team. For illustration purposes only. Actual client […]
Team Bender, Bender & Bortolotti – Model Portfolio – June 2022 Published: July 15, 2022 This document provides the performance data for the Model ETF Portfolios as of June 2022, as compiled by the team. For illustration purposes only. Actual client […]
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 […]