Prioritize Education: Drive More than Wealth Alone

Q. Where does literacy end… and financial literacy begin? A. It doesn’t matter; efforts to drive either also drive wealth development potential… so educate people… people! Education and Wealth Are Related.  Here’s Proof Let’s start with this.  Education is a driver of wealth, in case anyone forgot to mention it.  If you need some proof,…

AGF, Trust and Advisors’ W2S

Credo’s data cube enables us to map the trajectory of advisors’ trust in various supplier brands.  AGF over the last number of years provides an interesting case study.  The results are presented in exhibit 1 below. We’re present measured levels of trust in the east-west dimension in the map and advisors’ willingness to sell (W2S)…

And Canada’s Best Fund Companies Are?

An advisor asked us the question, “how does Credo determine which asset management companies are good for investors? Is it performance? or is it risk-adjusted performance?”  A very good question. The simple answer is this: we don’t.  Instead we have advisors and investors assess Canada’s investment fund companies.  And, in the case of investors, we do…

Invesco’s Current Reputation

This is an analysis of Invesco’s reputation as a financial product supplier to Canada’s financial advisors.  These are the advisors with whom individual investors build relationships and consult as they manage their wealth, investments, and often, insurance needs.  Invesco has been on a positive trend in so many of the reputation matters that Credo measures…

WIBO Report: CI Investments vs Sun Life Global Investments

What are Credo WIBO Reports? WIBO stands for “Whose Investors are Better Off?” and WIBO reports are a tool for use by Canadian financial advisors and their investors.  The tool enables people to explore the difference in investor outcomes that are delivered by different financial institutions. They are based on ongoing research with the Canadian…

Dynamic’s Credibility in 2018

In a crowded marketplace, where advisors have a tremendous range of suppliers from which to choose, a supplier’s credibility is absolutely central to advisors’ Willingness to Support it. Credibility is based on truthfulness and dependability and only when investment managers deliver on these dimensions can they hope to maintain their place on an advisor’s product…

WIBO… in a nutshell!

 Welcome to WIBO!  This tool, from Credo research, gives you the ability to pick any two Canadian asset managers and compare the investor outcomes they produce. With just a couple of keystrokes, you’ve got the ability to draw together data from thousands of Canadian investors… data about whether they feel “ahead of the game,” financially, or…

Horizons ETFs in 2018: Positive, Supplier of Choice

This is an analysis of Horizons ETFs as a product supplier to Canada’s independent financial advisors; advisors with whom individual investors build relationships and consult as they manage their wealth, investments, and often insurance needs. The analysis shows that Horizons is on a very positive trend.  The company has overcome some low points with its…

Fear of Outliving Finances: Gender Perspective in Canada

The fear of outliving finances is real among Canadians… but it’s more real among women than among men, even when you control for important matters of money; income and investable assets. Consider the analysis in Exhibit 1, below. It shows investors divided by both gender and asset levels… and reacting to our bellwether statement, “I’m afraid…

Exceptional ETF Demand? Not Without Fake-Flows

In summary, the Canadian ETF industry’s record demand performance during 2017 occurred against the background of record global equity indices and respectable economic growth. So far, 2018 is experiencing choppy equity markets and now global trade war uncertainty between the USA and China. Apart from “fake flow” distortions, ETF demand is nevertheless holding its own so…