Media

– What is my mindset going into a race I could win? – What changes did I make to my bike to be 10W higher than previous half iron distance races? – How did I handle the heat on the run?

1) Financial Markets are experiencing cross-currents, lower interest rates and bond yields, but more stock market volatility. 2) Interest rate risk and reinvestment risk, tune in to learn more. 3) What will the U.S. election bring in terms of risk and volatility? 4) All of the above and updates on our models, mandates and strategy.

1) July was a good month for financial markets. 2) Balanced Mandates have grown on average by 8.90% this year to July 31, according to Morningstar. How has your portfolio performed on a relative basis? 3) How is this impacting your long-term goals? 4) The beginning of August has been extremely volatile for Global Equity markets. How are we taking advantage of this? 5) How has your portfolio been impacted. All this and more detail…

> Financial Markets improved in June from a difficult May > Year to date balanced mandates have bounced back from a difficult 2022 > Return vs Risk, how does your portfolio compare? > I shares balanced fund ETF (XBAL) 3 year average annual return (monthly) after fees and standard deviation (risk) comparison.

1) June was a mixed month for financial markets, lead by US Equities, but only 7 companies represent about 40% of the value of the S&P 500 2) After the first half of 2024, Balanced Mandates have grown on average by 5.85% according to Morningstar. How has your portfolio performed on a relative basis? 3) How is this impacting your long-term goals? 4) High Yield remains steady: “clipping coupons” 5) Preferred shares continue to bolster both our special mandate and balanced mandates 6) We are cautious of US large company ETF’s and rebalancing away from them as they make new highs

1) May was a good month for financial markets 2) Return relative to risk taken, how does your portfolio stack up over the last 3-5 years? 3) High Yield remains steady: “clipping coupons” (energy exposure reduced) 4) Preferred shares continue to bolster both special mandate and balanced mandates 5) High Rock sponsored athlete Miranda Tomenson is 34th in World Ironman Standings (female pro) after 2 events

1) April was a difficult month for most financial markets 2) However, an overweight exposure to preferred shares helped High Rock balanced mandates to fair better than the average balanced portfolio. 3) Inflation remains central to central bank interest rate policy 4) How are our models positioned to take advantage of current events? 5) High Rock sponsored athlete Miranda Tomenson begins her pro triathlete season at the North American Championships on Saturday May 4th.

1) March and Q1 2024 saw continued growth for balanced portfolios 2) Gold was up over 9% in March 3) Preferred Shares continue to outperform (we talk about why) 4) If you have non-registered accounts, last piece of the 2023 puzzle (disposition reports) should be ready later this week. 5) And much, much more!

1) For February, Global Equity markets led growth in balanced portfolio returns 2) The Bank of Canada left its policy rate unchanged at 5% as inflation remains a concern 3) Average annual CPI over 10 years is at 2.4%, balanced portfolios, on average, grew at 4.8%, so over time, investing is helping your money grow ahead of inflation. 4) Both Households and Governments will be challenged by debt in the coming years 5) Insights into our strategies for our models and mandates 6) RRSP contribution receipts and tax receipt schedules

What we have in common: 1) Goals oriented, time to achieve those goals, risks involved 2) Complete transparency, years of experience, investing with our clients

> January was an excellent month for Canadian Preferred Share Index > Also a good month for our Pref. Share Mandate. > Time to think about tax time: 2023 RRSP contribution deadline and schedule of dates for tax documents

1) December was another positive month for financial markets and your portfolio. 2) 2023 was a strong year but equity markets are still not back at 2021 highs. 3) It is important to look beyond just last years returns, “chasing” returns can be dangerous. 4) Why not just own a GIC? Lots of very good reasons! 5) TFSA / RRSP and / or FHSA ? What does your Wealth Forecast suggest? Let’s talk. 6) We need your help! Documentation updates are required by the Ontario Securities Commission.

1) November was a very positive month for all financial markets 2) However equity markets are still not back at 2021 highs 3) 2 year balanced benchmarks are still negative 4) HY mandate has an outperforming total return over 3 years 5) New preferred share mandate is off to a good start 6) Bank of Canada is still concerned about wage inflation, despite a slowing economy, holds rates, may start lowering in March.

1) Most asset classes declined again in October, neutral bond markets assisted balanced mandates in outperforming global stocks 2) Interest rate sensitive assets (especially REIT’s) have been struggling. 3) New High Rock Special Mandate in Preferred Shares, is it right for you? Happy to discuss, contact us. 4) The difference between current market value of bonds and their maturing value: what does this mean for portfolio performance 5) and more…

– Most asset classes declined in value in September – Fossil fuel energy did not, how did this help your portfolio – New High Rock Special Mandate in Preferred Shares, is it right for you? – The difference between current market value of bonds and their maturing value: what does this mean for portfolio performance – and more…

End of summer brings volatility to financial markets. Do you need to update your strategy?

1) Financial Markets improved in July helping balanced portfolios to continue build on a stronger 2023 2) However, higher interest rates are ready to curtail economic growth 3) The outlook for the rest of 2023 could be volatile 4) Bond portfolios have hidden value with prices discounted at current levels

1) Stock Markets are up in US, down in Canada, find out why. 2) Bond holdings in balanced portfolios at current market values have plenty of upside if held to maturity. 3) And more…

Financial Markets were positive in April, balanced portfolios posted better than average returns despite continued volatility. Today we discuss our models and provide inflation and interest rate updates.

1) Update on banks and the banking system 2) Latest on the economy and interest rates 3) Latest portfolio adjustments 4) Update on tax document timelines

A bit of a pullback in February after a strong January. Important Tax Info.

Important Tax Info and a great start to 2023 in January for most balanced portfolios!

2022 was a difficult year for financial markets. Our special mandates, however, showed a positive return. This helped balanced clients with exposure to our Tactical Model outperform the Balanced Portfolio Benchmark

High Rock gets recognized as “Best In Province”, tactically balanced portfolios outperform passive portfolios in 2022 and congratulations to the Pinball Clemons Foundation for their outstanding work!

With expectations of investment returns being lowered significantly, passive investing may not be the best option. A mix of passive and active investing may be the key to better returns in the future.

A tough September for equity markets and passive balanced portfolios. Less tough for High Rock’s tactical balanced mandates.

High Rock’s High Yield mandate has returned a positive performance year to date. Balanced portfolios have benefitted from exposure to High Yield bonds in their Fixed Income and Tactical model allocations helping to mitigate the downside from stocks and interest rate sensitive bonds.

Financial Markets in the month of July, Model updates, the economy, interest rates and more…want to discuss your goals and investment strategy? we are standing by…

High Rock Tactical Asset Allocation Strategies are out-performing the benchmark: here is why.

High Rock portfolios are out-performing in the worst financial markets in 50 years. Here is why…

High Rock Tactical Balance continues to out-perform Passive Balanced Portfolios

Passive Balanced Portfolios or Tactical Balanced Portfolios: you be the judge! Also… update on tax packages.

Another volatile month in February. How is High Rock adding value and performing better than other balanced portfolio mandate benchmarks?

Passive balanced mandates may not provide the same growth over the next 10 years as they did for the previous 10. A tactical balanced mandate may prove to be a better way to growth in the future.

2021 was a year of strong returns. 2022 holds greater uncertainy. It is time for client portfolio reviews and regulatory updates. 2021 tax packages and dates.

How High Rock’s balanced portfolio’s outperform other balanced mandates

Exposure to non-correlated (to stock market indices) assets help lower volatility in September 2021 and what’s up with energy prices…

High Rock Monthly Video: September

High Rock Monthly Video August 2021

Only 8 minutes: short and sweet

Why Tactical Portfolio Management has its advantages over passive investing.

High Rock Monthly Video: May

High Rock Monthly Video: April

High Yield Energy Bond Webinar

February 2021 recap video.

High Rock Monthly Video: March