October  2014

Quick Tips:  Do You Care What Companies You Are Investing In?

Ever wondered how you can have a say in what your companies are doing? 

How can you help impact the ecological footprint?

Socially Responsible or Ethical Investing is considering investments that go through an ethical screening process.  There are some indexes and companies that offer this type of service.  The screening pertains to environmental, social, and governance analysis. 

Over 65% of managed investments in Europe use this type of screening process, and so does approximately 50% of Canadian pension assets. 

 While a common misnomer is you can't get good returns and choose your companies from a socially responsible perspective, statistics are proving otherwise.  As we become more aware of our ecological responsibility, both from an ethical and human rights standpoint, many companies will recognize that it's better business to be ecologically responsible as it reduces their risk.  That often means better returns. If you are interested in learning more about this, please speak with your advisor.



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We've seen a drop in the equity markets of late, with a 10% drop in the TSX since its peak just a few months ago.  In fact, this has been expected as I've discussed at all my recent meetings.  As this is part of the natural ebb and flow of the markets, it's providing an opportunity for some to purchase holdings at more reasonable prices.  Remember, some still think the market is too pricey, but many analysts are starting to see more reasonable valuations.  The market often over-reacts both on the upside and the downside.  Should we still hold our equities?  I say YES, and simply trim when we see above average returns.  As this has been the case, we've been actively doing that until recently.
Remember, Warren Buffet once said:  "Be fearful when others are greedy, and be greedy when others are fearful."   
Alfred Lam has an interesting bond article, and why we should still hold some fixed income for a smoother ride.
The latest summary of  Wealth Matters focuses on Global Outlook and implication of a U.S. Citizen Residing in Canada. Please click here to access full webcast .
The Joy of Aging 2014: "Ignite the Spark in Your Relationship"
The 6th annual event to promote healthy aging for Women will be held on Nov. 9th at Bellvue Manor in Vaughan.
Tickets are on sale now, and we're excited to offer the Early Bird pricing until Oct. 10.  To purchase your ticket, or make a donation to Makenzie Health Foundation, please go to The Joy of Aging.
In fact, if you'd like to win some prizes, please check out the following websites. 
www.1059TheRegion.ca (check them please)
These media sponsors are offering some great contests to spread the word about this great event.
We must thank them for helping us help our community hospital.

WHAT'S NEW?  Thanks to Rogers, Daytime, and Living Assistance Services for having me as a guest on their show.


In September, I discussed the perks of RESP's.  For more information, please check out the link.






Ethical Funds for SRI:  As I'm pointing out this way of combining financial analysis and incorporating a way of providing additional screening, it's appropriate to mention one of the leading companies in Canada in this area.





I know there are many great websites out there and great books.  Please share your favourites so we can continue to help others get the best information on the web!

REFERRALS: Thank you for your referrals. We really appreciate you passing along our name.  If you know somebody who needs a 2nd opinion on their portfolio, or who really needs to focus on planning for the future and setting some objectives, I can help.  Ensuring you have the retirement income you need and paying the least amount of tax along the way is how I enable you to meet your personal financial objectives.  


Well-Advised Newsletter: We also send out a quaterly newsletter that touches on financial planning for retirement, insurance planning and market conditions just to name a few. Click here to access the latest issue. If you would like to receive upcoming newsletters we would gladly add you to our list by kindly replying back to this email. As always, we try to keep you in the loop so you are up-to-date and informed.


Quote of the Month:

Do not take life too seriously, you will never get out of it alive!
Wishing you a beautiful fall season.  May your walks in the woods be filled with colour and vision.

This material is provided for general information and is subject to change without notice. Every effort has been made to compile this material from reliable sources however no warranty can be made as to its accuracy or completeness. Before acting on any of the above, please make sure to see me for individual financial advice based on your personal circumstances. The opinions expressed are those of the author and not necessarily those of Assante Capital Management Ltd.

Insurance products and services are provided through Assante Estate and Insurance Services Inc. Assante Capital Management Ltd. is a member of the Canadian Investor Protection Fund and is registered with the Investment Industry Regulatory Organization of Canada.

 Assante is an indirect, wholly-owned subsidiary of CI Financial Corp. ("CI"). The principal business of CI is the management, marketing, distribution and administration of mutual funds, segregated funds and other fee-earning investment products for Canadian investors through its wholly-owned subsidiary CI Investments Inc. If you invest in CI products, CI will, through its ownership of subsidiaries, earn ongoing asset management fees in accordance with applicable prospectus or other offering documents.

Dates to Remember 


October 13: Thanksgiving Day
November 9:
Joy of Aging-2014.
November 17: 
Recommended date to submit in-kind charitable donation and ensure they are processed for 2014.
Janine Purves 


Senior Financial Advisor

Assante Capital Management Ltd.


Ph (905) 707-5220

Fax (905) 707-1035


9130 Leslie Street

Suite 302,

Richmond Hill,

ON L4B 0B9


Visit our website at www.janinepurves.com



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