These are the investments you should consider adding to your portfolio right now

On March 6, I wrote a column that discussed the history of markets after they have fallen 15 per cent. It said that returns had been quite strong, and based on that you should at least be holding your stocks, but probably buying more.

What does today look like?We see balanced to maybe even slightly elevated valuations in stocks today in some sectors, dependent of course on how the economy recovers.We see traditional bonds as being an important but smaller piece of portfolios for safety, as yields are often going to be well under three per cent.

What does this mean for you?The first step is to look at your long-term asset mix and you should probably be close to that mix today. If you are significantly out of step, then it is definitely time to rebalance. Hopefully, you didn’t make major shifts out of stocks over the past few months, but if you did, you should probably at least try to get closer to your longer-term levels.

At a high level, the market in Canada is split into fixed-rate preferred shares, which have a set dividend that doesn’t change, and rate-reset preferred shares. These pay a set dividend, usually for five years, and then the dividend is reset based on the five-year Government of Canada bond yield at that time.

On the private credit side, there are a number of investments that are available for accredited investors, or through investment counselling firms. The private credit that we primarily focus on is lending to businesses at high interest rates, but with significant security and collateral . The security often starts with hard business assets that are worth meaningfully more than the loan. The security sometimes includes personal guarantees from the business owner, including pledging their home. The security usually includes an ability to pull interest payments from the company’s bank account if they miss a payment.

Good luck with that. Economic Depression cometh

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