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Alain Guillot

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Alain Guillot
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Net worth:
Montreal, Quebec, Canada
Life stage:
SINK (Single Income, No Kids)
Dance Teacher

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Latest Blog Posts

Imagine that you want to invest in a business. If your objective is to maximize profit, your main question should be: How much money do I get to keep' What’s my profit margin' The new trend in investing is to just put all your money in broad based ETFs, set and forget it. And I … Continue reading Looking for Fat Profit Margins → The post Looking for Fat Profit Margins ...
Posted: Nov 16 2017 @ 10:37 AM
Recently my friend Elijah asked me about ethical investing. His concern is that he doesn’t want any of his hard earned money going towards oil companies. I sense that Elijah is really interested in socially responsible investing (SRI). The idea goes by other names such as: green investing, ethical investing, sustainable investing, impact investing, or … Continue reading Socially Responsible Investing in Canada → The post Socially Responsible Investing in Canada ...
Posted: Oct 23 2017 @ 9:22 AM
Picture this scenario It’s RRSP season. You see advertisements in all the metro stations, all the TV stations and all the social media. You have until March 1st to make your RRSP contribution and to get that tax break you have been hearing about. You make an appointment with the financial adviser at the bank. … Continue reading Make sure you get an unbiased financial adviser. → The post Make sure ...
Posted: Oct 12 2017 @ 11:04 PM
Many people think that having money in cash is the safest investments of all, but in reality, it is the worst investments of all. Having cash money is the only investment where you are guaranteed 100% to lose money. How do you lose it' You lose it to inflation, the silent killer of capital. Why … Continue reading Cash is trash. Inflation is the biggest killer of your money → The ...
Posted: Oct 07 2017 @ 7:20 AM
Elijah is a friend I met at the McGill toastmasters club. His speeches have always been thought provoking and inspirational. Elijah is a true hustler. He has several side gigs and job. Due to his many activities he hasn’t much time to think about his financial goals. He only started saving after having a conversation … Continue reading Financial Analysis and recommendations: Elijah Baker → The post Financial Analysis and recommendations: ...
Posted: Oct 01 2017 @ 11:01 AM
If you have been reading my blog for awhile, you will know that my favorite asset allocation for Canadians is ⅓ Canadian stock, ⅓ US stocks, and ⅓ International stocks. Let’s say that you met me 10 years ago (October 2007) and you asked me how to invest your money. And let’s say that I … Continue reading Asset allocation for a Canadian 10 years into the past → The post ...
Posted: Sep 19 2017 @ 8:33 AM
Here is a 10 year graph of the same investment, the S&P 500, being held in Canadian dollars and being held in US dollars. Because of the cost of hedging, the investments in Canadian dollars under performs the investment in US dollar by a whooping 15.60%, that’s a lot of moolah. Long ago I suggested … Continue reading Currency diversification for Canadians → The post Currency diversification for Canadians appeared first ...
Posted: Sep 15 2017 @ 8:17 AM
I advocate not to have bonds in a portfolio, but the conventional wisdom is to have a portfolio of stocks and bonds. Let’s clarify a few points: Stock are not more risky than bond in any 10-20 years time period, they are just more volatile. Stocks produce a higher return than bonds. If stocks are … Continue reading At what point should you start adding bonds to your portfolio → The ...
Posted: Sep 08 2017 @ 8:03 AM
Social inequality is nothing new, it has existed since the beginning of civilization. Some people like to focus on building wealth and some people focus in other activities other than building wealth. Here is a short excerpt for Plutarch in the year 594: “the disparity of fortune between the rich and the poor had reached … Continue reading There is no solution for income inequality → The post There is no ...
Posted: Sep 02 2017 @ 1:00 PM
Most financial advisers recommend capital diversification between two asset classes: stocks and bonds. But every now and then I see some financial advisers recommending two additional asset classes: real estate and commodities. A common portfolio including those additional would look like this: Stocks: X% Bonds: X% Real estate: X% Commodities: X% In previous articles I … Continue reading Investing in commodities is worse that dead money → The post Investing in ...
Posted: Aug 27 2017 @ 8:19 AM


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