Orser Neuhaus & Associates

07/09/2024

Nearly three-quarters of Canadian business owners are expected to exit their businesses by 2028. If you are part of this group, have you given thought to your succession plan?

Here are six questions to start the thinking process as you plan ahead for your business’ succession.

Nearly three-quarters of Canadian business owners are expected to exit their businesses by 2028.1 If you are part of this group, have you given thought to your succession plan?

07/02/2024

For many Canadian families, going to the cottage or cabin each summer is a time-honoured tradition. With real estate prices at all-time highs and property in high demand, planning for a property’s future succession has never been more important. Why? Many of us have owned our cottages for a long time and want to keep them in the family for future generations. However, to do this effectively, careful planning is essential.

Here are some key takeaways to get this plan underway.

For many Canadian families, going to the cottage or cabin each summer is a time-honoured tradition. With real estate prices at all-time highs and property in high demand, planning for a property’s future succession has never been more important. Why? Many of us have owned our cottages for a long t...

06/04/2024

Recession risk has certainly faded and economic growth has firmed somewhat. Is this the start of an accelerating global economy? This ain't that. The consumer appears to be weakening and much of the other economic improvement appears to be a bounce off depressed manufacturing/global trade activity.

Also included is a look at dividends given how well cyclical yield has performed vs interest rate sensitives. This divergence is now pretty extreme and could be setting the table for a reversal.

Read our latest blog post here:

The US market is up a little over 10% this year, Canada +6%, Europe +10%, and Japan +15%, while bonds are down about -1%. Huh, that sure does look like asset allocation is working well again after the car crash of 2022. Even better news is that the market is moving higher thanks to good fundamental....

05/30/2024

Markets are very calm. Looking at measures of volatility, the stock market, bond market and even currency markets are all reading historically low volatility. So is it the calm before the storm or just more calmness ahead? If the seasons are any indication, the summer months tend to be pretty quiet. Not always of course. Then we election risk, which hasn't crept into the markets yet…

For now looks like a good time to sit on dock and look at a tranquil lake.

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Should it be any surprise how calm markets have become? Global equities are up 9.2% year to date. Apart from a 2% decline in January and a 5% drop in April, the trend has been steadily up to the right on the chart. We can easily slap a financial narrative on this, such as improving economic growth g...

05/29/2024

Real Answers to Tough Questions
Protecting the future financial security of your family and your business with the right insurance products.

Read more here and contact us to answer all of your questions: https://www.orserneuhaus.com/real-answers-to-tough-questions

05/26/2024

Over the past couple weeks, any softer than expected economic data has been good news, lifting markets. When higher yields and inflation are the biggest concerns this makes sense. But will only last for so long and now we are seeing weakness beneath the surface including for the almighty U.S. consumer. A number of canaries are flashing warning signal that the consumer may be running out of steam, including their dining habits.

Read the full article here:

The equity market weakness in April can probably be attributed to bond yields moving higher, so any economic data on the weaker growth side is welcome news at the moment. The S&P started to recover on May 3rd, rising 1.3% when the ever-important non-farm payroll labour report came in softer than exp...

05/21/2024

Five Common Misconceptions When Purchasing Life Insurance
If the thought of purchasing life insurance overwhelms you, this article will provide you with tips to give you clarity on some of the fundamentals of life insurance planning. Since confusion can lead to missing key information, we will discuss how to avoid five common life insurance misconceptions.

Read more here and reach out to us for more information: https://www.orserneuhaus.com/five_common_misconceptions_insurance

05/17/2024

Happy long weekend!

Is It Time for Emerging Markets?
After remaining negative on emerging markets for about a decade, we have recently become more constructive. This edition we dive into emerging markets, both the good and bad.

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The normal narrative for encouraging investors to look at emerging markets typically goes like this: The valuations are cheap, the demographics/rising incomes are supportive of growth, and they offer diversification. And yet, for those who know us, we have been rather negative or at least cool on em...

05/09/2024

There is lots of news for both the bulls and bears. Improving economic data is pushing down recession risk globally, and spurring some positive earnings momentum. But this better economic data is slowing progress on the inflation front and lifting yields higher.

In this post we discuss two topics: an analysis on why this cycle is so different and significant divergence among dividend paying names.

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There is no shortage of both good and bad news floating about the financial markets. The hard part is understanding which side is stronger today and which side will be stronger tomorrow. With markets up low to mid-single digits following a very strong Q4 finish to 2023, most would agree the optimist...

05/02/2024

Energy stocks have certainly been on the move this year, with the sector leading the TSX. Good news on infrastructure appears to be lifting the valuation discount Canadian energy names have suffered for many years. In this edition Jeremy Lin, a portfolio manager on the Global Resource fund, shares his views on the space and where to next.

Would you like to learn more? Read our latest blog post here: https://www.orserneuhaus.com/energy-stars-align

With the current setup for the oil markets, some key questions that we often get from investors are: How sustainable is the rally in Canadian energy names?

05/01/2024

This earnings season has certainly been a good one with a high frequency of beats by a good magnitude. Rising PMI data, better economic data, some more inflation (that is good for earnings). Perhaps forward revisions will start to turn up and help justify the market advance of the past few months that has been all multiple expansion.

To read more, click the link: https://www.orserneuhaus.com/earnings-optimism

There are three things you should rarely ever bet against: the Leaf’s opposing team in the playoffs, the American consumer’s ability to spend, and corporate profits. As we are now about halfway through U.S. earnings season, once again, positive surprises remain the norm; 81% have beaten. It's a ...

04/29/2024

For the majority of families, life insurance needs will change over time. Typically, more coverage is required while a family is still young and growing, with a decreasing amount required as the family finances mature.

Want to learn more about insurance coverage? Read more here: https://www.orserneuhaus.com/the-best-of-both-worlds-term-and-perm-insurance

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