The link to the report below, contains two main articles. The first provides a snapshot of the news and economic events that dominated the headlines in 2014 along with a broad summary of the sources of investment returns throughout the year.
The second article provides a reminder that investors have choices. This is particularly relevant for investors putting together strategies related to future income needs (retirement spending, house purchase, etc). In general, increased spending today means less funds will be available for spending in the future, and vice versa. This article reminds us all that, by making small adjustments to our current and future behaviour, we can dramatically influence the investment objectives we may be striving to achieve.