“,”heading”:””,”fullWindow”:false,”fullBleed”:false,”showFullBleedOnMobile”:false,”headColor”:””,”type”:”html5mobile”,”textColor”:””,”mobileImageUrl”:””,”bgColor”:””,”imageUrl”:””,”registeredOnly”:false,”linkUrl”:””,”aodaTitle”:”Graphic showing S&P/TSX Composite Index: Performance over last 10 years”,”internalScroll”:false,”displayStyle”:”small-up”},{“text”:”“Very few people have the temperament to invest 100 per cent in stocks and ride the ups and downs, without those wild swings luring them into behaviour that damages their returns over time,” Hallett said. “So you want some mix of stocks and bonds.” “,”type”:”text”,”isParagraph”:true},{“text”:”Those who are saving for retirement, for example, would be wise to ignore today’s market in exchange for higher returns down the road, says Hallett. They’ll probably want a portfolio that carries more stocks than bonds. “,”type”:”text”,”isParagraph”:true},{“type”:”textBreakPoint”,”insertAt”:”contentEndBreakPoint”},{“text”:”“Buy some form of an investment fund that has a bit of everything in it. A balanced ETF, for exampleThat’s an easy, effective solution for a lot of people,” said Hallett. “,”type”:”text”,”isParagraph”:true},{“text”:”Jacob Lorinc is a Toronto-based reporter covering business for the Star. Reach him via email: jlorinc@thestar.ca“,”author”:{“author”:”Jacob Lorinc”,”photo”:{“origImageSize”:”5134×3447″,”lastmodified”:2700061000,”url”:”/content/dam/thestar/columnist_logos/Lorinc_Jacob_logo2019new.JPG”,”sizes”:{“1:1”:{“small”:”https://images.thestar.com/psaKwU-e7CBPI4unRjiBEj4OL1I=/100×100/smart/https://www.thestar.com/content/dam/thestar/columnist_logos/Lorinc_Jacob_logo2019new.JPG”},”3:2″:{“small”:”https://images.thestar.com/EaPIWOnFw1xnsYeY1ShS7Gx2U5o=/114×76/smart/https://www.thestar.com/content/dam/thestar/columnist_logos/Lorinc_Jacob_logo2019new.JPG”,”medium”:”https://images.thestar.com/pS_4EXDCT6L1G5-QJuAmDZdfRKg=/330×220/smart/https://www.thestar.com/content/dam/thestar/columnist_logos/Lorinc_Jacob_logo2019new.JPG”,”large”:”https://images.thestar.com/VHCm7mzRvpFijrL0vBF2CEcFiyE=/690×460/smart/https://www.thestar.com/content/dam/thestar/columnist_logos/Lorinc_Jacob_logo2019new.JPG”},”21:9″:{“large”:”https://images.thestar.com/uZhN4PB_QviRVi_Hd4-7BpvyO_E=/1080×460/smart/https://www.thestar.com/content/dam/thestar/columnist_logos/Lorinc_Jacob_logo2019new.JPG”}}},”location”:”Toronto”,”tag”:”lorinc_jacob”,”credit”:”Business Reporter”,”twitterId”:”jacoblorinc”,”email”:”jlorinc@thestar.ca”},”authorPageUrl”:”https://www.thestar.com/authors.lorinc_jacob.html”,”type”:”endnote”,”isLast”:true},{“type”:”relatedStories”,”relatedStories”:[]},{“type”:”articleRelatedFooter”},{“type”:”shareBar”},{“type”:”trustbar”},{“type”:”conversations”}],”assetTags”:[“lorinc_jacob”,”financial_planning”,”stocks”,”bonds”,”itc1″,”tolerance”,”stock_market”,”investment”,”convos”,”risk”,”financial_needs”,”smg2_personal_finance”,”portfolios”,”kmi2″,”dan_hallett”,”smg2_business”,”InHouseArticle_thestar”,”capitalism”,”smg_advice”],”seoKeywords”:”financial planning,stocks,bonds,risk,tolerance,financial needs,Dan Hallett,portfolios,ITC1,KMI2,smg_advice,smg2_personal_finance,smg2_business,InHouseArticle_thestar,convos”,”excludeInRecommendations”:false,”promo”:[],”related”:{“pubdays”:0,”strategy”:0},”personalizationMetadata”:{“subsection”:”Personal Finance”,”description”:”The long-term trajectory of stocks and bonds is what matters and investing in either depends on your risk tolerance and time horizon, says one expert.”,”hasImage”:true,”section”:”Business”,”asset_id”:”22b14cdf-3632-43a0-8597-792ec9a4c594″,”title”:”In Your Corner: Should you invest in stocks or bonds?”,”type”:”article”,”sub_subsection”:”Advice”,”thumbor_image”:”{“imageid”:”GRP16R5K6.3″,”origImageSize”:”1200×818″,”lastmodified”:1617998450799,”fullWindowMainart”:false,”forceoriginal”:false,”caption”:”If you are using the market to save for retirement you probably want a portfolio that carries more stocks than bonds, says Dan Hallett, vice-president research at HighView Financial Group.”,”source”:”Toronto Star”,”type”:”image”,”credit”:”Steve Russell”,”mainartSize”:”medium”,”url”:”/content/dam/thestar/business/personal_finance/advice/2021/04/12/in-your-corner-should-you-invest-in-stocks-or-bonds/stocks_and_bonds.jpg”}”,”published_time”:”2021-04-12T09:00:00Z”,”trust_label”:”ADVICE”,”last_modified”:”2021-04-12T10:48:01.320Z”,”inHouseArticle”:”true”,”image”:”https://images.thestar.com/fL5VsA3dd8hHQki6Fi5HFSqIUTY=/1280×1024/smart/filters:cb(1618233323302)/https://www.thestar.com/content/dam/thestar/business/personal_finance/advice/2021/04/12/in-your-corner-should-you-invest-in-stocks-or-bonds/stocks_and_bonds.jpg”,”enableLivechat”:”false”,”images”:”https://www.thestar.com/assets/img/thestar-ribbon.png”,”noShow”:”false”,”enableConversations”:”true”,”abstract”:”The long-term trajectory of stocks and bonds is what matters and investing in either depends on your risk tolerance and time horizon, says one expert.”,”smg_tag”:”advice”,”url”:”https://www.thestar.com/business/personal_finance/advice/2021/04/12/in-your-corner-should-you-invest-in-stocks-or-bonds.html”,”site_name”:”thestar.com”,”enableLivechatadmin”:”false”,”publisher”:”https://www.facebook.com/torontostar”,”author_names”:[“Jacob Lorinc”],”authors”:”[{“author”:”Jacob Lorinc”,”photo”:{“origImageSize”:”5134×3447″,”lastmodified”:2700061000,”url”:”/content/dam/thestar/columnist_logos/Lorinc_Jacob_logo2019new.JPG”}}]”,”smg2_tag”:”personal_finance”},”seoHead”:”In Your Corner: Should you invest in stocks or bonds?”,”chevronTextBGColor”:”009988″,”headline”:”In Your Corner: Should you invest in stocks or bonds?”,”subheadline”:”The long-term trajectory of stocks and bonds is what matters and investing in either depends on your risk tolerance and time horizon, says one expert.”,”canonicalUrl”:”https://www.thestar.com/business/personal_finance/advice/2021/04/12/in-your-corner-should-you-invest-in-stocks-or-bonds.html”,”seoDescription”:”The long-term trajectory of stocks and bonds is what matters and investing in either depends on your risk tolerance and time horizon, says one expert.”,”enableConversations”:true,”enableConversationsPoseQuestion”:true,”publishedepoch”:1618218000000,”lastmodifiedepoch”:1618224481320,”abstractVisible”:false,”poseQuestion”:”Do you invest in stocks or bonds? Share your thoughts “,”paywallMode”:”metered”,”storyuuid”:”22b14cdf-3632-43a0-8597-792ec9a4c594″,”republish”:true,”trustlabel”:{“name”:”Advice”,”link”:”https://www.thestar.com/trust/glossary.html”,”description”:”Reflects the opinion of the author who provides guidance or direction on a topic based on their expertise as well as their personal interpretations and judgments of facts.”,”type”:”trust”},”slideshowid”:”B881411307Z.1″,”lastmodified”:”04 12 2021″,”lastreplicated”:”Mon., April 12, 2021″,”readtime”:1,”breadcrumbs”:[{“label”:”Business”,”relurl”:”/business”,”url”:”https://www.thestar.com/content/thestar/business.html”},{“label”:”Personal Finance”,”relurl”:”/business/personal_finance”,”url”:”https://www.thestar.com/content/thestar/business/personal_finance.html”},{“label”:”Advice”,”relurl”:”/business/personal_finance/advice”,”url”:”https://www.thestar.com/content/thestar/business/personal_finance/advice.html”}],”authors”:[{“author”:”Jacob Lorinc”,”photo”:{“origImageSize”:”5134×3447″,”lastmodified”:2700061000,”url”:”/content/dam/thestar/columnist_logos/Lorinc_Jacob_logo2019new.JPG”,”sizes”:{“1:1”:{“small”:”https://images.thestar.com/psaKwU-e7CBPI4unRjiBEj4OL1I=/100×100/smart/https://www.thestar.com/content/dam/thestar/columnist_logos/Lorinc_Jacob_logo2019new.JPG”},”3:2″:{“small”:”https://images.thestar.com/EaPIWOnFw1xnsYeY1ShS7Gx2U5o=/114×76/smart/https://www.thestar.com/content/dam/thestar/columnist_logos/Lorinc_Jacob_logo2019new.JPG”,”medium”:”https://images.thestar.com/pS_4EXDCT6L1G5-QJuAmDZdfRKg=/330×220/smart/https://www.thestar.com/content/dam/thestar/columnist_logos/Lorinc_Jacob_logo2019new.JPG”,”large”:”https://images.thestar.com/VHCm7mzRvpFijrL0vBF2CEcFiyE=/690×460/smart/https://www.thestar.com/content/dam/thestar/columnist_logos/Lorinc_Jacob_logo2019new.JPG”},”21:9″:{“large”:”https://images.thestar.com/uZhN4PB_QviRVi_Hd4-7BpvyO_E=/1080×460/smart/https://www.thestar.com/content/dam/thestar/columnist_logos/Lorinc_Jacob_logo2019new.JPG”}}},”location”:”Toronto”,”tag”:”lorinc_jacob”,”credit”:”Business Reporter”,”twitterId”:”jacoblorinc”,”email”:”jlorinc@thestar.ca”}],”paywall”:true,”urlMetatag”:”https://www.thestar.com/business/personal_finance/advice/2021/04/12/in-your-corner-should-you-invest-in-stocks-or-bonds.html”,”numOfParagraphs”:6,”liftigImage”:{“captionPosition”:”overlay”,”fullWindowMainart”:false,”type”:”image”,”imageid”:”GRP16R5K6.3″,”origImageSize”:”1200×818″,”lastmodified”:1617998450799,”forceoriginal”:false,”caption”:”If you are using the market to save for retirement you probably want a portfolio that carries more stocks than bonds, says Dan Hallett, vice-president research at HighView Financial Group.”,”source”:”Toronto Star”,”credit”:”Steve Russell”,”url”:”/content/dam/thestar/business/personal_finance/advice/2021/04/12/in-your-corner-should-you-invest-in-stocks-or-bonds/stocks_and_bonds.jpg”,”mainartSize”:”medium”,”renditions”:[{“url”:”https://images.thestar.com/FEAmTJUZ2hHZvp-rLSX1gY-LBkc=/93×52/smart/filters:cb(1617998450799)/https://www.thestar.com/content/dam/thestar/business/personal_finance/advice/2021/04/12/in-your-corner-should-you-invest-in-stocks-or-bonds/stocks_and_bonds.jpg”,”width”:93,”height”:52,”scalefactor”:8,”aspect”:”wide”}]},”seopublisheddate”:”2021-04-12″,”seomodifieddate”:”2021-04-12T10:48:06.804Z”,”primarylabel”:{“label”:”Personal Finance”,”relurl”:”/business/personal_finance”,”url”:”https://www.thestar.com/content/thestar/business/personal_finance.html”},”totalParas”:0,”additionalEvents”:”,event29″}
//-->
ADVERTISEMENT
/https://www.thestar.com/content/dam/thestar/business/personal_finance/advice/2021/04/12/in-your-corner-should-you-invest-in-stocks-or-bonds/stocks_and_bonds.jpg)
Now’s a scary time to dive into the stock market. Partially because everyone’s doing it.
Investor speculation has driven low-quality stocks unexpectedly upwards and seemingly at random. A lockdown-fuelled rise in retail trading has resulted in some unlikely proceedings — a surge in GameStop share prices, for example, or a sudden frenzy for cryptocurrency.
But pay little attention to the oddities of today’s investing, says Dan Hallett, vice-president research at HighView Financial Group, an investment counsel firm. What matters is the long-term trajectory of stocks and bonds — investing in either depends on your risk tolerance and your time horizon.
“Very few people have the temperament to invest 100 per cent in stocks and ride the ups and downs, without those wild swings luring them into behaviour that damages their returns over time,” Hallett said. “So you want some mix of stocks and bonds.”
Those who are saving for retirement, for example, would be wise to ignore today’s market in exchange for higher returns down the road, says Hallett. They’ll probably want a portfolio that carries more stocks than bonds.
“Buy some form of an investment fund that has a bit of everything in it. A balanced ETF, for exampleThat’s an easy, effective solution for a lot of people,” said Hallett.
JOIN THE CONVERSATION
Q:
Do you invest in stocks or bonds? Share your thoughts
Anyone can read Conversations, but to contribute, you should be registered Torstar account holder. If you do not yet have a Torstar account, you can create one now (it is free)
More from The Star & Partners
