�ݺ�ߣshows by User: sheppr1

�ݺ�ߣshows by User: sheppr1 / http://www.slideshare.net/images/logo.gif �ݺ�ߣshows by User: sheppr1 / Thu, 16 Oct 2014 08:37:23 GMT �ݺ�ߣShare feed for �ݺ�ߣshows by User: sheppr1 Financial Life Checkup /slideshow/financial-life-checkup/40351540 financiallifecheckup-141016083724-conversion-gate01
A handy self-assessment tool for determining confidence in your financial preparedness.]]>
A handy self-assessment tool for determining confidence in your financial preparedness.]]> Thu, 16 Oct 2014 08:37:23 GMT /slideshow/financial-life-checkup/40351540 sheppr1@slideshare.net(sheppr1) Financial Life Checkup sheppr1 A handy self-assessment tool for determining confidence in your financial preparedness. <img style="border:1px solid #C3E6D8;float:right;" alt="" src="https://cdn.slidesharecdn.com/ss_thumbnails/financiallifecheckup-141016083724-conversion-gate01-thumbnail.jpg?width=120&height=120&fit=bounds" /> A handy self-assessment tool for determining confidence in your financial preparedness.

Financial Life Checkup from Richard Sheppard

]]> 267 1 https://cdn.slidesharecdn.com/ss_thumbnails/financiallifecheckup-141016083724-conversion-gate01-thumbnail.jpg?width=120&height=120&fit=bounds document 000000 http://activitystrea.ms/schema/1.0/post

http://activitystrea.ms/schema/1.0/posted

0 The importance of lower volatility investments for income /slideshow/mp1841-the-importance-of-lower-volatility-investments-for-income-20140304/35497982 mp1841theimportanceoflowervolatilityinvestmentsforincome20140304-140604162337-phpapp02
The trade-off between risk and return is one of the most important aspects of investing, especially for those drawing down income. The expected return must be adequate for creating enough income without draining too much capital and offer less volatility to ensure that investments aren’t being sold at a severe discount during a market decline. For example if you lost 50% in the market, you would require a market gain of 100% to recover while a lower decline of 20% requires far less of a recovery with 25% bringing you back to the breakeven point.]]>
The trade-off between risk and return is one of the most important aspects of investing, especially for those drawing down income. The expected return must be adequate for creating enough income without draining too much capital and offer less volatility to ensure that investments aren’t being sold at a severe discount during a market decline. For example if you lost 50% in the market, you would require a market gain of 100% to recover while a lower decline of 20% requires far less of a recovery with 25% bringing you back to the breakeven point.]]> Wed, 04 Jun 2014 16:23:37 GMT /slideshow/mp1841-the-importance-of-lower-volatility-investments-for-income-20140304/35497982 sheppr1@slideshare.net(sheppr1) The importance of lower volatility investments for income sheppr1 The trade-off between risk and return is one of the most important aspects of investing, especially for those drawing down income. The expected return must be adequate for creating enough income without draining too much capital and offer less volatility to ensure that investments aren’t being sold at a severe discount during a market decline. For example if you lost 50% in the market, you would require a market gain of 100% to recover while a lower decline of 20% requires far less of a recovery with 25% bringing you back to the breakeven point. <img style="border:1px solid #C3E6D8;float:right;" alt="" src="https://cdn.slidesharecdn.com/ss_thumbnails/mp1841theimportanceoflowervolatilityinvestmentsforincome20140304-140604162337-phpapp02-thumbnail.jpg?width=120&height=120&fit=bounds" /> The trade-off between risk and return is one of the most important aspects of investing, especially for those drawing down income. The expected return must be adequate for creating enough income without draining too much capital and offer less volatility to ensure that investments aren’t being sold at a severe discount during a market decline. For example if you lost 50% in the market, you would require a market gain of 100% to recover while a lower decline of 20% requires far less of a recovery with 25% bringing you back to the breakeven point.

The importance of lower volatility investments for income from Richard Sheppard

]]> 154 2 https://cdn.slidesharecdn.com/ss_thumbnails/mp1841theimportanceoflowervolatilityinvestmentsforincome20140304-140604162337-phpapp02-thumbnail.jpg?width=120&height=120&fit=bounds document Black http://activitystrea.ms/schema/1.0/post

http://activitystrea.ms/schema/1.0/posted

0 A Lost Decade For GICs /slideshow/a-lostdecadeforgi-cs/34145441 a-lost-decade-for-gics-140430164149-phpapp02
Many Canadian investors turn to Guaranteed Investment Certificates (GICs) looking for safe, stable income. However, low interest rates, taxes, and inflation have meant the real return on an average one-year GIC has actually been negative every single year over the past decade as shown in the chart. As a result, if you invested in a GIC, after taxes and inflation, you actually lost ground. This is why having a diversified portfolio with a range of asset classes is essential. Including a portion of equities in your portfolio can protect your purchasing power and help grow your wealth over time. As an example, the ten-year return for Canadian equities as represented by the S&P/TSX is 7.97% for the same timeframe.]]>
Many Canadian investors turn to Guaranteed Investment Certificates (GICs) looking for safe, stable income. However, low interest rates, taxes, and inflation have meant the real return on an average one-year GIC has actually been negative every single year over the past decade as shown in the chart. As a result, if you invested in a GIC, after taxes and inflation, you actually lost ground. This is why having a diversified portfolio with a range of asset classes is essential. Including a portion of equities in your portfolio can protect your purchasing power and help grow your wealth over time. As an example, the ten-year return for Canadian equities as represented by the S&P/TSX is 7.97% for the same timeframe.]]> Wed, 30 Apr 2014 16:41:49 GMT /slideshow/a-lostdecadeforgi-cs/34145441 sheppr1@slideshare.net(sheppr1) A Lost Decade For GICs sheppr1 Many Canadian investors turn to Guaranteed Investment Certificates (GICs) looking for safe, stable income. However, low interest rates, taxes, and inflation have meant the real return on an average one-year GIC has actually been negative every single year over the past decade as shown in the chart. As a result, if you invested in a GIC, after taxes and inflation, you actually lost ground. This is why having a diversified portfolio with a range of asset classes is essential. Including a portion of equities in your portfolio can protect your purchasing power and help grow your wealth over time. As an example, the ten-year return for Canadian equities as represented by the S&P/TSX is 7.97% for the same timeframe. <img style="border:1px solid #C3E6D8;float:right;" alt="" src="https://cdn.slidesharecdn.com/ss_thumbnails/a-lost-decade-for-gics-140430164149-phpapp02-thumbnail.jpg?width=120&height=120&fit=bounds" /> Many Canadian investors turn to Guaranteed Investment Certificates (GICs) looking for safe, stable income. However, low interest rates, taxes, and inflation have meant the real return on an average one-year GIC has actually been negative every single year over the past decade as shown in the chart. As a result, if you invested in a GIC, after taxes and inflation, you actually lost ground. This is why having a diversified portfolio with a range of asset classes is essential. Including a portion of equities in your portfolio can protect your purchasing power and help grow your wealth over time. As an example, the ten-year return for Canadian equities as represented by the S&P/TSX is 7.97% for the same timeframe.

A Lost Decade For GICs from Richard Sheppard

]]> 216 2 https://cdn.slidesharecdn.com/ss_thumbnails/a-lost-decade-for-gics-140430164149-phpapp02-thumbnail.jpg?width=120&height=120&fit=bounds document Black http://activitystrea.ms/schema/1.0/post

http://activitystrea.ms/schema/1.0/posted

0 Market returns over time /slideshow/market-returnsovertime/33813707 market-returns-over-time-140422132945-phpapp02
Since 1948, the S&P / TSX has provided positive returns two-thirds of the time. In the chart, annual returns were plotted year by year within respective ranges which resulted in a fairly normal distribution or statistically what is referred to as a bell curve, with most returns hugging the 0 to 10% range. The year 2008 saw a decrease of 33%. in contrast, the year 2009 saw the pendulum swing completely the other way, with the TSX returning 35%. Generally, negative returns tend to be followed by positive returns.]]>
Since 1948, the S&P / TSX has provided positive returns two-thirds of the time. In the chart, annual returns were plotted year by year within respective ranges which resulted in a fairly normal distribution or statistically what is referred to as a bell curve, with most returns hugging the 0 to 10% range. The year 2008 saw a decrease of 33%. in contrast, the year 2009 saw the pendulum swing completely the other way, with the TSX returning 35%. Generally, negative returns tend to be followed by positive returns.]]> Tue, 22 Apr 2014 13:29:44 GMT /slideshow/market-returnsovertime/33813707 sheppr1@slideshare.net(sheppr1) Market returns over time sheppr1 Since 1948, the S&P / TSX has provided positive returns two-thirds of the time. In the chart, annual returns were plotted year by year within respective ranges which resulted in a fairly normal distribution or statistically what is referred to as a bell curve, with most returns hugging the 0 to 10% range. The year 2008 saw a decrease of 33%. in contrast, the year 2009 saw the pendulum swing completely the other way, with the TSX returning 35%. Generally, negative returns tend to be followed by positive returns. <img style="border:1px solid #C3E6D8;float:right;" alt="" src="https://cdn.slidesharecdn.com/ss_thumbnails/market-returns-over-time-140422132945-phpapp02-thumbnail.jpg?width=120&height=120&fit=bounds" /> Since 1948, the S&P / TSX has provided positive returns two-thirds of the time. In the chart, annual returns were plotted year by year within respective ranges which resulted in a fairly normal distribution or statistically what is referred to as a bell curve, with most returns hugging the 0 to 10% range. The year 2008 saw a decrease of 33%. in contrast, the year 2009 saw the pendulum swing completely the other way, with the TSX returning 35%. Generally, negative returns tend to be followed by positive returns.

Market returns over time from Richard Sheppard

]]> 135 2 https://cdn.slidesharecdn.com/ss_thumbnails/market-returns-over-time-140422132945-phpapp02-thumbnail.jpg?width=120&height=120&fit=bounds document Black http://activitystrea.ms/schema/1.0/post

http://activitystrea.ms/schema/1.0/posted

0 Equities drive asset growth /slideshow/equities-drive-asset-growth-32763486/32763486 equities-drive-asset-growth-140326094349-phpapp01
The efficient frontier identifies the combination of assets that are expected to achieve the highest return for a given level of risk – meaning they are most efficient in terms of their risk/return characteristics. Since 1950, investing in fixed income has generally reduced investment risk. However, the stability of this asset class also lowers the long-term growth potential. Canadian equities have produced the necessary asset growth to achieve long term investment objectives. Even conservative investors should allocate at least 30% of their portfolio to equities. The expected outcome is enhanced investment returns with similar levels of investment risk over the long term.]]>
The efficient frontier identifies the combination of assets that are expected to achieve the highest return for a given level of risk – meaning they are most efficient in terms of their risk/return characteristics. Since 1950, investing in fixed income has generally reduced investment risk. However, the stability of this asset class also lowers the long-term growth potential. Canadian equities have produced the necessary asset growth to achieve long term investment objectives. Even conservative investors should allocate at least 30% of their portfolio to equities. The expected outcome is enhanced investment returns with similar levels of investment risk over the long term.]]> Wed, 26 Mar 2014 09:43:49 GMT /slideshow/equities-drive-asset-growth-32763486/32763486 sheppr1@slideshare.net(sheppr1) Equities drive asset growth sheppr1 The efficient frontier identifies the combination of assets that are expected to achieve the highest return for a given level of risk – meaning they are most efficient in terms of their risk/return characteristics. Since 1950, investing in fixed income has generally reduced investment risk. However, the stability of this asset class also lowers the long-term growth potential. Canadian equities have produced the necessary asset growth to achieve long term investment objectives. Even conservative investors should allocate at least 30% of their portfolio to equities. The expected outcome is enhanced investment returns with similar levels of investment risk over the long term. <img style="border:1px solid #C3E6D8;float:right;" alt="" src="https://cdn.slidesharecdn.com/ss_thumbnails/equities-drive-asset-growth-140326094349-phpapp01-thumbnail.jpg?width=120&height=120&fit=bounds" /> The efficient frontier identifies the combination of assets that are expected to achieve the highest return for a given level of risk – meaning they are most efficient in terms of their risk/return characteristics. Since 1950, investing in fixed income has generally reduced investment risk. However, the stability of this asset class also lowers the long-term growth potential. Canadian equities have produced the necessary asset growth to achieve long term investment objectives. Even conservative investors should allocate at least 30% of their portfolio to equities. The expected outcome is enhanced investment returns with similar levels of investment risk over the long term.

Equities drive asset growth from Richard Sheppard

]]> 141 2 https://cdn.slidesharecdn.com/ss_thumbnails/equities-drive-asset-growth-140326094349-phpapp01-thumbnail.jpg?width=120&height=120&fit=bounds document Black http://activitystrea.ms/schema/1.0/post

http://activitystrea.ms/schema/1.0/posted

0 The Resilience of the Markets /slideshow/mp1498-the-resilience-of-the-markets-20140304/31943122 mp1498theresilienceofthemarkets20140304-140305090320-phpapp02
Over the past 40 years, the S&P / TSX composite index has experienced 14 negative calendar return years. As shown in the chart, in each instance, with only two exceptions, the following year saw the markets in positive territory. Further, these gains were solidified with 5 year double digit returns. These results demonstrate the resilience of the market, and that investors have typically been best-served by maintaining a long-term focus despite short-term market volatility.]]>
Over the past 40 years, the S&P / TSX composite index has experienced 14 negative calendar return years. As shown in the chart, in each instance, with only two exceptions, the following year saw the markets in positive territory. Further, these gains were solidified with 5 year double digit returns. These results demonstrate the resilience of the market, and that investors have typically been best-served by maintaining a long-term focus despite short-term market volatility.]]> Wed, 05 Mar 2014 09:03:20 GMT /slideshow/mp1498-the-resilience-of-the-markets-20140304/31943122 sheppr1@slideshare.net(sheppr1) The Resilience of the Markets sheppr1 Over the past 40 years, the S&P / TSX composite index has experienced 14 negative calendar return years. As shown in the chart, in each instance, with only two exceptions, the following year saw the markets in positive territory. Further, these gains were solidified with 5 year double digit returns. These results demonstrate the resilience of the market, and that investors have typically been best-served by maintaining a long-term focus despite short-term market volatility. <img style="border:1px solid #C3E6D8;float:right;" alt="" src="https://cdn.slidesharecdn.com/ss_thumbnails/mp1498theresilienceofthemarkets20140304-140305090320-phpapp02-thumbnail.jpg?width=120&height=120&fit=bounds" /> Over the past 40 years, the S&P / TSX composite index has experienced 14 negative calendar return years. As shown in the chart, in each instance, with only two exceptions, the following year saw the markets in positive territory. Further, these gains were solidified with 5 year double digit returns. These results demonstrate the resilience of the market, and that investors have typically been best-served by maintaining a long-term focus despite short-term market volatility.

The Resilience of the Markets from Richard Sheppard

]]> 156 2 https://cdn.slidesharecdn.com/ss_thumbnails/mp1498theresilienceofthemarkets20140304-140305090320-phpapp02-thumbnail.jpg?width=120&height=120&fit=bounds document White http://activitystrea.ms/schema/1.0/post

http://activitystrea.ms/schema/1.0/posted

0 The Better Quality Of Life Program /slideshow/the-better-quality-of-life-program-11710811/11710811 thebetterqualityoflifeprogram-13299545112257-phpapp02-120222175001-phpapp02
]]>
]]> Wed, 22 Feb 2012 17:48:41 GMT /slideshow/the-better-quality-of-life-program-11710811/11710811 sheppr1@slideshare.net(sheppr1) The Better Quality Of Life Program sheppr1 <img style="border:1px solid #C3E6D8;float:right;" alt="" src="https://cdn.slidesharecdn.com/ss_thumbnails/thebetterqualityoflifeprogram-13299545112257-phpapp02-120222175001-phpapp02-thumbnail.jpg?width=120&height=120&fit=bounds" />

The Better Quality Of Life Program from Richard Sheppard

]]> 191 2 https://cdn.slidesharecdn.com/ss_thumbnails/thebetterqualityoflifeprogram-13299545112257-phpapp02-120222175001-phpapp02-thumbnail.jpg?width=120&height=120&fit=bounds document Black http://activitystrea.ms/schema/1.0/post

http://activitystrea.ms/schema/1.0/posted

0 https://cdn.slidesharecdn.com/profile-photo-sheppr1-48x48.jpg?cb=1551409663 Richard Sheppard operates a financial planning practice which focuses on helping busy entrepreneurs and professionals optimize the value they realize from their businesses. By clearly understanding the desired outcomes the client would like to see, Richard can provide sound strategies for achieving these by streamlining and coordinating personal and company resources, using prudent investment, tax minimization, risk management, and other techniques to generate financial efficiencies. In short, working smarter, not harder in managing finances, and freeing the client to focus on what he or she does best and enjoying more balance in their lives. https://cdn.slidesharecdn.com/ss_thumbnails/financiallifecheckup-141016083724-conversion-gate01-thumbnail.jpg?width=320&height=320&fit=bounds slideshow/financial-life-checkup/40351540 Financial Life Checkup https://cdn.slidesharecdn.com/ss_thumbnails/mp1841theimportanceoflowervolatilityinvestmentsforincome20140304-140604162337-phpapp02-thumbnail.jpg?width=320&height=320&fit=bounds slideshow/mp1841-the-importance-of-lower-volatility-investments-for-income-20140304/35497982 The importance of lowe... https://cdn.slidesharecdn.com/ss_thumbnails/a-lost-decade-for-gics-140430164149-phpapp02-thumbnail.jpg?width=320&height=320&fit=bounds slideshow/a-lostdecadeforgi-cs/34145441 A Lost Decade For GICs