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Placements

Apr 2023	Brain tips and market update
Feb 2023	Déclarations Fiscales IRS
Jan 2023	News for 2023
Aug 2022	Did you see the news?
Jun 2022	Market update
May 2022	Market update
Oct 2021	16 financial moves before year-end
Oct 2021	16 scary facts you should know
July 2021	Time to be well diversified
Jun 2021	Perspective on bull markets
Mar 2021	Déclarations fiscales IRS
Mar 2021	Did you septuple your money?
Nov 2020	U.S. election + year-end moves
Oct 2020	16 scary facts you should know
Sept 2020	Interviews and webinars
Sept 2020	16 questions for advisers
May 2020	Forecasting quotes
May 2020	Two webinars
Apr 2020	Stay in – market timing
Mar 2020	Anniversary and coronavirus
Jan 2020	Who do you trust more
Nov 2019	16 scary facts you should know
Oct 2019	Is your portfolio recession-proof
Sept 2019	15 financial moves by year-end
Aug 2019	Impact of 1% better returns
Jun 2019	Building a better financial future
Apr 2019	Can you time the market?
Mar 2019	Did you quintuple your money?
Jan 2019	Charts for a better perspective
Sept 2018	Year-end BFM checklist and tips
Sept 2018	Future portfolio performance
Aug 2018	Can you time the market
Jul 2018	Inflation steals your savings
Jun 2018	Start to save today
Mar 2018	How did you do since 2009
Feb 2018	12 important questions
Feb 2018	Making the most of your assets
Dec 2017	How the tax reform affect you
Nov 2017	Financial moves before year-end
Oct 2017	Scary facts you should know
May 2017	Great money quotes
Apr 2017	How to research fund managers
Mar 2017	Top 10 funds
Jan 2017	Foreign financial accounts
Nov 2016	Surprising results of the election
Oct 2016	Ways to help you reach your dreams
Sept 2016	What happened to the markets
Sept 2016	Mistakes to avoid for peace of mind
July 2016	Low / Negative interest rates
June 2016	Brexit: UK to leave EU
June 2016	Capital gains - taxes on a loss
Mar 2016	Tax update for the French
Fev 2016	Have you seen this blog
Jan 2016	Good negative returns funds
Oct 2015	Year-end financial checklist
Sept 2015	Ready for a salary raise in 2016?
Aug 2015	Top 10 funds
June 2015	Charts of the markets
Mar 2015	Ready for higher interest rates
Oct 2014	Inflation
Sept 2014	Emerging markets
June 2014	Charts of the markets
Oct 2013	We are still positive on real estate
Fev 2013	How to reduce taxes
Oct 2012	Let's diversify
July 2012	Let's go global
Mar 2012	Real estate prices
Oct 2011	Pick better funds
Mar 2011	Markets trends
Mar 2011	Thoughts about Japan disaster
Fev 2011	Tax update
Fev 2011	Wall Street top stocks

Finance comportementale

Mar 2020	Improve your decision making process
Jan 2015	Best of BFM Part II
Jan 2014	6 fun videos
Jan 2014	Your personal guide to peace of mind
Jan 2012	Best of BFM Part I
Nov 2011	Be aware of emotion
Sept 2011	Put things in perspective
Aug 2011	Human brain & decision making
July 2011	Investor psychology
June 2011	Cultural differences
May 2011	Investment decision making
Jan 2011	U nderstand behavioral finance
Nov 2010	Be Positive
Nov 2010	Investor's performance
Sept 2010	We cannot analyze all the information
Sept 2010	Videos on financial economics
Aug 2010	Train your brain to win
June 2010	Investors cannot think for themselves

Le saviez-vous?

Stratégie

En 30 ans, $100,000 donneraient $432,194 avec un investissement à 5%. Ils donneraient cependant $1,006,266 avec un investissement à 8%. C'est 132% de plus. Vos choix d'investissement importent énormément!
Alors que le S&P 500 Index a réalisé un profit annuel moyen de 8.4% sur la période 1988-2008 ($1 donne $5), les investisseurs particuliers n'ont en moyenne pas dépasser les 1.9% ($1 donne $1.50).
$10,000 investis dans le S&P 500 Index en Février 1989 auraient donné $29,382 en Février 2009. Si un investisseur avait manqué les 30 meilleurs jours de bourse, les $10 n'auraient donné que $6,531 (77% moins). Si l'investisseur avait manqué les 10 meilleurs jours, les $10 auraient donné $15,123 (48% moins).

Historique des performances de marché

Entre 1926 et 2008, les parts sociales des grandes entreprises permettaient un retour annuel de 9.6% contre. 5.7% pour les obligations d'État et 3.7% pour les bons du Trésor.
Sur n'importe quelle décennie entre 1969 et 2008, les actions achetées n'ont eu un retour négatif que dans 1% des cas (contre 37% pour l'or et autres marchandises).
La hausse du prix de l'immobilier depuis 1890 a eu un impact négligeable (proche de 0%) sur l'inflation. La hausse des prix de l'immobiler ramené à l'inflation était également négligeable entre 1945 et 2000.

Économie

Avec 3% d'inflation, un million de dollars dans 30 ans sera l'équivalent de $412,000 aujourd'hui.
D'ici 2017, les coûts de sécurité sociale auront peut-être dépassés les revenus.
Entre 1967 et 1984, le taux moyen d'inflation était d'environ 7% (vs. environ 3% en moyenne sur la dernière décennie).

Outils de Recherche*

Calculatrices*

Ressources en ligne*

“If you fail to plan, you’re planning to fail.” - Benjamin Franklin

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