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Financial Tips

May 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
Jun 2016 Brexit: UK to leave EU
Jun 2016 Capital gains - taxes on a loss
Mar 2016 Tax update for the French
Feb 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
Jun 2015 Charts of the markets
Mar 2015 Ready for higher interest rates
Oct 2014 Inflation
Sept 2014 Emerging markets
Jun 2014 Charts of the markets
Oct 2013 We are still positive on real estate
Feb 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
Feb 2011 Tax update
Feb 2011 Wall Street top stocks


Did you know?


  • In 30 years, $100,000 would become $432,194 if invested at 5%, but $1,006,266 if invested at 8%. That is 132% more. Your investment choices make a big difference!
  • While the S&P 500 Index earned an average annual return of 8.4% during 1988-2008 ($1 would have become $5), the average individual investor earned an annual return of just 1.9% ($1 would have become $1.50).
  • $10,000 invested in the S&P 500 Index in February 1989 would have become $29,382 in February 2009. If an investor had missed the best 30 days of daily return, it would have become $6,531 (77% less). If an investor had missed the best 10 days, it would have become $15,123 (48% less).

Past Market Performance

  • From 1926 to 2008, large company stocks had a 9.6% annual return vs. 5.7% for government long bonds and 3.7% for Treasury bills.
  • Over any 10-year rolling period from 1969 to 2008, stocks had only a 1% probability of a negative absolute return (vs. 37% for gold or commodities).
  • Housing price increases since 1890 have been close to 0% factoring in the effects of inflation. Housing prices adjusted for inflation were also flat between 1945 and 2000.


  • With 3% inflation, $1M in 30 years is equivalent to $412,000 today.
  • By 2017, social security costs may exceed revenues.
  • From 1967 to 1984, the average inflation rate was close to 7% (vs. close to 3% average for the past 100 years).

Learn more

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

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