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Assante Capital Management Ltd. August 2019

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The McClelland Financial Group

DEEP DIVE
In Depth Article – Heavy on the facts and details definitely for the committed reader.

Rob's Read

When the Short-Term Impacts
the Long-Term: Are We There Yet?

AWealthOfCommonSense.com:

"Stories about value investing are the equivalent of your kids asking “Are we there yet?” over and over again on a road trip.

The value investing equivalent of “Are we there yet?” is this:

June 23, 2019: Is value investing dead? It might be and here’s what killed it (CNBC)

September 6, 2018: Is value investing dead? (Morningstar)

September 24, 2017: Is value investing dead? It depends on how you measure it (WSJ)"

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Rob McClelland RFP, CFP, HBA
Vice President, Co-Branch Owner, Senior Financial Planning Advisor
The McClelland Financial Group of Assante Capital Management Ltd.

Millennial MOMENT
Light Read – Need to know information for the Millennial in you

Millennial Moment

62% of millennials say they’re living paycheck to paycheck

CNBC.com:

"Almost two-thirds of millennials say they’re living paycheck to paycheck and only 38% feel financially stable, according to a new survey from Charles Schwab.

Millennials, more than any other generation surveyed by Schwab, feel the most insecure when it comes to their finances. That’s according to roughly 380 millennials (ages 23 to 38) surveyed for Schwab’s 2019 Modern Wealth report."

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John Iaconetti B.A.S., Spec. Hons. Administrative Studies (Finance)
Financial Advisor
The McClelland Financial Group of Assante Capital Management Ltd.

LIFESTYLE
Light Read – Fun and Enjoyable!

Lifestyle

14 things successful people
do right before bed

BusinessInsider.com:

"The last thing you do before bed tends to have a significant impact on your mood and energy level the next day, as it often determines how well and how much you sleep.

Successful people understand that their success starts and ends with their mental and physical health, which is almost entirely dependent upon their getting enough sleep.

That is why good bedtime routines are a key ritual for so many of them.

Here's what many successful people do right before bed."

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LIFESTYLE
Light Read – Fun and Enjoyable!

Lifestyle

14 Tips for a Successful School Year

CreativityPost.com:

"As the new school year unfolds, the time is ripe to consider some important tips about creativity, productivity, and well-being so as to inspire parents and kids.

Over the years, I’ve shared hundreds of strategies for strengthening children's intelligence, productivity, well-being, creativity, self-confidence, resilience, emotional health, and more… Here are fresh adaptations of 14 of my favorite tips for fortifying kids’ capacities now, and throughout the school year."

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LIFESTYLE
Light Read – Fun and Enjoyable!

The Educated Investor

Insurance

Insurance. I can’t think of another topic that people want to avoid more. But, as uncomfortable as it is to discuss, it plays an incredibly important role in a financial plan.

Take for example, David and Margaret Smith, clients of ours for over 20 years. Like many of our clients, David and Margaret are fortunate enough to have a winter home in Florida. Since 2003, they have packed up at the end of November, said good-bye to another Canadian winter, made the 2-day drive to Naples, and enjoyed southwest Florida for 5 months.

And for each trip, they knew how important it was to obtain travel insurance. Even though their premiums increased as they aged, they knew to “budget” for the insurance. If there was ever a medical emergency, they knew they would have the coverage and not be decimated financially.

In January 2019, on a typical Monday afternoon, David and Margaret were returning to their home from a shopping trip, when they were rear-ended by a distracted driver. David was seriously hurt and put in the ICU at a nearby hospital. Margaret suffered minor bumps and bruises but was devastated at the condition that David was in. He spent one week in the hospital before being airlifted to Sunnybrook in Toronto. Amazing and timely care was provided by North Naples Hospital. The cost to David and Margaret, $0.

For over 15 years, they have not only spent money to enjoy their winters in sunny Florida, they have paid over $25,000 in travel insurance premiums to be protected.

In year 15, it may sound like a lot of “wasted” money. But for David and Margaret, in year 16 it was one of the best “investments” they had ever made.

Happy ending, David is on the road to recovery.

THINK SMART
Podcast – Listen to Mike and Rob and their latest thoughts and industry insights

Think Smart

Podcast

August 23, 2019

Disappearing Act:
Is the Value Premium Slowly Disappearing?

What is the Value Premium and will it disappear for good? Does a growth company automatically become a value based company at some point? It's harder than you might think for companies to make a profit. Figuring out which way to invest with all this conflicting information can be confusing. Learn More Here.

LISTEN TO THIS PODCAST

We are now on Instagram!

Follow us @themcclellandfinancialgroup_
www.tmfg.ca/instagram

WHAT’S NEW?
Light Read – Updates on need to know details for Assante clients on technology and industry changes

Introducing Box

We are excited to introduce the latest technology on secure file sharing to help simplify your financial life. With that in mind, we would like to share your personal box folder with you. This allows you greater control and freedom when it comes to your important files.

If this is something you’re interested in, please click below to inform us. No need to reply if you do not want access.

  • Free online storage of your documents including meeting notes, tax documents, wills and POAs
  • Access your documents anywhere from your personal computer or mobile device 
  • Easily share files from your computer or take a photo from your mobile device
  • Every file is secure and confidential

YES, I would like to access BOX

7787 Yonge Street, Thornhill, ON, L3T 7L2
www.tmfg.ca | [email protected]
For more info please call: (905) 771-5200

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Copyright © 2018 The McClelland Financial Group.

Assante Capital Management Ltd. is a Member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada. This material is provided for general information and is subject to change without notice. Every effort has been made to compile this material from reliable sources however no warranty can be made as to its accuracy or completeness. Before acting on any of the above, please make sure to see me for individual financial advice based on your personal circumstances. Insurance products and services are provided through Assante Estate and Insurance Services Inc.

Commissions, trailing commissions, management fees and expenses, may all be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Please read the Fund Facts and consult your Assante Advisor before investing.

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