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The Stingy News Weekly: 02/15/2020


Stingy News Flash

My friend David Aston recently published a retirement guide for Canadians. You can buy a copy of the book at Indigo or Amazon. Here's how he describes his work.

The Sleep-Easy Retirement Guide:
Answers to the 12 Biggest Financial Questions that Keep You Up at Night


The Sleep-Easy Retirement Guide sets out to help middle class Canadians answer the big, pressing financial questions associated with retirement including figuring out: how big a nest egg they'll need; how long they will need to continue to work; how much they can draw from their portfolio each year in retirement; how much they will need to spend to get the retirement lifestyle they want; and when they should start drawing government pensions.

The book has a practical bent towards helping Canadians figure out their key objectives in concrete terms with actual numbers. For example, using common assumptions that the author describes, he will help you figure out just how big a nest egg you should generally have if, say, you're a couple planning to retire at age 65 while spending an above-average $80,000 a year combined in retirement. (In that case, the size of nest egg required is over $1 million, although he makes it clear that you can still expect a fulfilling retirement if you have far less money to spend.) He includes a chapter with eight case examples and statistics on average seniors spending to help provide you with a sense of the over-all standard of living that you can expect at different spending levels. He provides statistics to show that average seniors spending (with a few adjustments that he makes) is only $65,000 a year combined for couples , and $43,000 a year for senior singles.

While the book deals broadly with retirement planning, there is a chapter on investments that might be of particular interest to do-it-yourself investors who are retired or nearing retirement. In this chapter, the author discusses investment strategies designed to help generate dependable cash flow that can meet your spending needs in retirement while helping to insulate you to a degree from the ups and downs in the market. In addition to discussing the role of well-known basic investment principles such as setting an appropriate equity/fixed income asset allocation, he also discusses more specialized strategies such as: income investing using reliable dividends and interest; structuring your portfolio using a 'bucket' strategy; and converting part of your portfolio to annuities.

The author has written freelance articles for MoneySense, the Globe and Mail, Morningstar.ca, and has recently started writing a regular column for the Toronto Star. He has a chartered financial analyst designation and an M.A. in Economics.



Stingy Links

Charlie Munger AGM
"Investing legend Charlie Munger, Berkshire Hathaway vice chairman and chairman of the Daily Journal, speaks to shareholders at the newspaper's annual meeting. Munger is best known for his steady role as the right-hand man of investing legend Warren Buffett." [video]
[Munger]

Crisis investing
"We have spent the past year studying every financial crisis in the US since 1970. We have done this work for your benefit, so that you will keep your head when all about you are losing theirs. When weak hands fold, when forced sellers liquidate, we hope this research will help you make good decisions."
[Value Investing]

Great to gone
"Success often contains the seeds of its own destruction, and not just when it comes to family fortunes."
[Markets]

Historical value
"While they may not have been known by the same names, many modern investment factors have historical roots stretching back centuries."
[Value Investing]

Sequence risk
"Sequence risk is the risk that investment returns happen in an unlucky order. It can make or break portfolios"
[Retirement]

Epidemics and market returns
"A global pandemic that killed 3% of the Earth's population only sent markets down 10% over a period of 4 months. This is a stunning result. The worst virus since the bubonic plague and markets go through a run-of-the-mill decline? I would not have guessed that beforehand."
[Markets]


S&P/TSX60 Value Screens

High Dividend Yield StocksP/EP/BP/SYield
Inter Pipeline (IPL)BCDA
Brookfield Property Partners (BPY.UN)CABA
Enbridge (ENB)CBCA
CIBC (CM)ABBA
BCE Inc. (BCE)CDDA
Bank of Nova Scotia (BNS)ABCA
Pembina Pipeline (PPL)CCDA
Power Corp of Canada (POW)BAAA
Shaw (SJR.B)CCDA
TELUS (T)CDCA
Notes | More Info...


Low Price/Earnings StocksP/EP/BP/SYield
Nutrien (NTR)AABA
Teck Resources (TECK.B)AABD
Imperial Oil (IMO)AAAC
Magna (MG)ABAC
CIBC (CM)ABBA
Manulife (MFC)AAAB
Bank of Nova Scotia (BNS)ABCA
Cdn Natural Resources (CNQ)AACB
National Bank (NA)ACCB
Bank of Montreal (BMO)ABBB
Notes | More Info...


Low Price/Book Value StocksP/EP/BP/SYield
Teck Resources (TECK.B)AABD
First Quantum (FM)DABE
Cenovus Energy (CVE)CAAC
Brookfield Property Partners (BPY.UN)CABA
Imperial Oil (IMO)AAAC
Cameco (CCO)EADE
Nutrien (NTR)AABA
Manulife (MFC)AAAB
Power Corp of Canada (POW)BAAA
BlackBerry (BB)FADF
Notes | More Info...


Canadian Stock SummaryYieldP/EP/B
Bank of Nova Scotia (BNS)YY
Brookfield Property Partners (BPY.UN)YY
CIBC (CM)YY
Imperial Oil (IMO)YY
Manulife (MFC)YY
Nutrien (NTR)YY
Power Corp of Canada (POW)YY
Teck Resources (TECK.B)YY
BCE Inc. (BCE)Y
Bank of Montreal (BMO)Y
BlackBerry (BB)Y
Cameco (CCO)Y
Cdn Natural Resources (CNQ)Y
Cenovus Energy (CVE)Y
Enbridge (ENB)Y
First Quantum (FM)Y
Inter Pipeline (IPL)Y
Magna (MG)Y
National Bank (NA)Y
Pembina Pipeline (PPL)Y
Shaw (SJR.B)Y
TELUS (T)Y
Notes...


DOW 30 Value Screens

High Dividend Yield StocksP/EP/BP/SYield
Exxon Mobil (XOM)BAAA
Chevron (CVX)EABA
Verizon (VZ)ACBA
IBM (IBM)BDBA
Pfizer (PFE)ABDA
3M (MMM)CECA
Walgreens (WBA)ABAB
Merck (MRK)CDDB
Cisco (CSCO)BDDB
Caterpillar (CAT)ADAB
Notes | More Info...


Low Price/Earnings StocksP/EP/BP/SYield
Goldman Sachs (GS)AABD
Verizon (VZ)ACBA
Pfizer (PFE)ABDA
JP Morgan Chase (JPM)ABCB
Caterpillar (CAT)ADAB
Walgreens (WBA)ABAB
Travelers (TRV)BAAC
IBM (IBM)BDBA
Intel (INTC)BCDD
American Express (AXP)BCCE
Notes | More Info...


Low Price/Book Value StocksP/EP/BP/SYield
DuPont (DD)EABD
Goldman Sachs (GS)AABD
Chevron (CVX)EABA
Exxon Mobil (XOM)BAAA
Travelers (TRV)BAAC
JP Morgan Chase (JPM)ABCB
Walgreens (WBA)ABAB
Walt Disney (DIS)CBCE
Pfizer (PFE)ABDA
United Technologies (UTX)CBBD
Notes | More Info...


US Stock SummaryYieldP/EP/B
Pfizer (PFE)YYY
Walgreens (WBA)YYY
Caterpillar (CAT)YY
Chevron (CVX)YY
Exxon Mobil (XOM)YY
Goldman Sachs (GS)YY
IBM (IBM)YY
JP Morgan Chase (JPM)YY
Travelers (TRV)YY
Verizon (VZ)YY
3M (MMM)Y
American Express (AXP)Y
Cisco (CSCO)Y
DuPont (DD)Y
Intel (INTC)Y
Merck (MRK)Y
United Technologies (UTX)Y
Walt Disney (DIS)Y
Notes...



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