GYC Insights

Articles on real-life financial issues written to educate and enlighten.

Economy, Investing Carl Chay Economy, Investing Carl Chay

No Time For Debt

National debt is rising everywhere around the world with the US sitting at the top at $22 trillion dollars (at end 2020). However, in terms of debt to GDP ratios, it is not the most indebted country in the world.

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Do Bonds Still Work?

With the end of easy money policies from central banks around the world and expectations of rising interest rates, you may be wondering — Should bonds play a role in my investments? In this environment, why hold bonds at all?’ In addition to the wealth of existing peer reviewed academic evidence, a recent machine learning analysis by Vanguard may help to provide some insights.

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Investing Carl Chay Investing Carl Chay

2021 Market Recap: How Certain Can You Be?

As we look ahead to 2022, we continue to feel optimistic and happy with the markets. If anything, we have a renewed sense of confidence — our investment beliefs, tenets and philosophy have been tested on numerous occasions during the recent crisis and we are pleased to say that it has all held up well.

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Investing Carl Chay Investing Carl Chay

Keeping Up with Rising Costs

The recent increase in the cost of some goods and services due to the return of demand after closures and lockdowns has surprised some of us and made the news. How exactly does inflation affect stock returns? Let’s take a look at the data.

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