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Alain Guillot

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Alain Guillot
Start Year:

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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

Gold is a dumb metal who sits there and do nothing. Gold bars don’t have sex and create more gold bars.Ever since I have I have been interested in finance, I have met people who predict the end of the monetary system as we know it. In such a horrific scenario, gold would be the only valid currency. I believe, if the world ever came to that scenario, the things ...
Posted: Jun 25 2017 @ 4:26 PM
Hanging out with friends. Jan 15When should we buy individual stocks? Last! Many investors feel lured by the magic of the stock market. They hear about amazing IPOs (Initial Public Offerings) and they hear stories such as: ” If you would have invested in (Insert company name) 5 years ago, you would have been a godzillionaire by now.” Others feel enticed by penny stocks, they want to find that one stock which ...
Posted: Jun 12 2017 @ 8:35 AM
Jan 14. Spending time with friendsIn investing Practically every  investment website or book talks about investments in percentages terms instead of absolute amounts. They says things like… “you should invest X percentage in stocks and X percentage in Bonds.” But believe me, investing 50% of your $5,000,000 portfolio in stocks doesn’t feel the same as investing 50% of $50,000. A person with $5,000,000 could have 100% of his portfolio in bonds. At 2 ...
Posted: May 29 2017 @ 8:28 PM
Spending time with friendsWhen people ask: “How is the US stock market doing?” They general refer to how is the S&P 500 doing. The S&P 500 is an abbreviation from “Standard & Poor’s 500” which is an index of the 500 biggest companies in the US.  This index is market capitalized, which means that the biggest companies have bigger weight or a bigger percentage of index than smaller companies. Until now, ...
Posted: May 20 2017 @ 7:10 PM
For the past 20 years, the S&P has had a compounded annual growth of  about 8%. So why people are not earning that kind of money? In my previous article “What kind of return to expect from your money” I spoke about the DALBAR’s report which states that the average investor in the S&P 500 earns less than 2.5%. The reason is simple. When you tell people that the stock market has earned ...
Posted: May 18 2017 @ 6:23 PM
At Toastmasters with my friends. Jan 3rdFinancial gurus make their money from selling programs Last week a few of my friends invited me to a 3 day seminar on how to become rich trading stocks. I have seen these amazing marketing campaign before. A guru is going to teach the secret formula. All you have to do is pay $999 and you will the key to wealth. You will go to your ...
Posted: May 06 2017 @ 4:45 PM
New year party with friendsI want to share what are my market expectations and how I deal with not having bonds in my portfolio. Ever since I started studying finance I have learned a few recurring themes: Over the long run, stocks outperform bonds People add bonds to their portfolio to reduce volatility What are my portfolio expectations A few research papers suggest that on average, the stock market (Canadian/US) goes up about 10% per ...
Posted: Apr 21 2017 @ 12:31 PM
Going to the movies with friends.The robots are outperforming the humans. According to SPIVA, a research group which measures the performance of mutual funds managers vs passive index,  the Canadian Index (S&P/TSX) has beaten active mutual fund managers hands down. This is how the S&P/TSX had has out performed active managers. 1 year: 73.5% 3 years: 76.9% 5 years: 71.2% There are many reasons for the index outperforming. The main reason is management fees. In ...
Posted: Apr 14 2017 @ 11:28 PM
Eating with friends before going to the movies. Dec 20/2016My portfolio is ⅓ Canadian, ⅓ US and ⅓ international. In addition, the US portion is in US dollars. Most investors, all over the world, have a country bias. They like to invest in what they know and of course, they know their national companies therefore that’s where they invest. It is important, specially for investors of small (economically speaking) countries such as ...
Posted: Apr 10 2017 @ 2:24 PM
Celebrating Christmas with my friends.Taxes is our biggest expense Our biggest expense is neither food, nor housing, nor transportation. No, our biggest expense is taxes. Here in Canada, we have many privileges not found anywhere else in the word. We have a stable government, low crime, acceptable medical service, job opportunities, etc. But we pay dearly for all those benefits, we pay some of the highest taxes in the world. There are ways ...
Posted: Apr 01 2017 @ 6:45 AM


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