CredoVision

Total 13 Posts

Prioritize Education: Drive More than Wealth Alone

Q. Where does literacy end… and financial literacy begin? A. It doesn’t matter; efforts to drive either also drive wealth development potential… so educate people… people! Education and Wealth Are Related.  Here’s Proof Let’s start with this.  Education is a driver of wealth, in case anyone forgot to mention it.  If you need some proof,…

AGF, Trust and Advisors’ W2S

Credo’s data cube enables us to map the trajectory of advisors’ trust in various supplier brands.  AGF over the last number of years provides an interesting case study.  The results are presented in exhibit 1 below. We’re present measured levels of trust in the east-west dimension in the map and advisors’ willingness to sell (W2S)…

Fear of Outliving Finances: Gender Perspective in Canada

The fear of outliving finances is real among Canadians… but it’s more real among women than among men, even when you control for important matters of money; income and investable assets. Consider the analysis in Exhibit 1, below. It shows investors divided by both gender and asset levels… and reacting to our bellwether statement, “I’m afraid…

Another Battle of the Sexes; The Wheel of Life Analysis

A Quick Introduction and Context Over the last two years, Credo has surveyed tens of thousands of Canadian investors asking them to report their sentiments about nine important factors that relate to their lives.  These factors include their feelings of: Financial Well-being Intellectual Engagement Purposeful Pursuits (read: work, whether paid or not) Leisure & Recreation…

Credo’s Wheel of Life Framework

Since 2015, Credo has surveyed tens of thousands of Canadian investors asking them to self-report with respect to their sentiments about nine important factors that relate to their lives.  These factors include their feelings of: Financial Well-being Intellectual Engagement Purposeful Pursuits (read: work, whether paid or not) Leisure & Recreation Health & Physical Fitness Home…

Advisors Load Clients’ Portfolios With Proprietary Products

Question: So What? Credo has concluded a two year research investigation into the subject of financial advisors loading their clients’ investment portfolios with their affiliated companies’ financial products (a.k.a. Proprietary Product Loading or PPL.)  What Credo found, in short, is that investors who work with advisors who are associated with a dealership that also has…

The Credibility of Canada’s Fund Companies

Why is this important? Nothing is more highly correlated to an advisor’s willingness to support a fund company than credibility; not even performance. If a fund company is not credible, it will not garner support from advisors.  If an advisor is not credible, he will not build or retain his client base.  Credibility is key!…

Brand Personality: AGF, iShares and RBC DS

Why Should You Care?  Brand personality measurement focuses on emotional dimensions and triggers in a relationship… and they are very predictive of loyalty.  Leading edge companies manage the experiences they deliver in order to build and strengthen their well-designed brand personalities.  They do it to optimize the loyalty among their favoured clients. Though facts and…

Discussion With a Star Wholesaler

Invesco’s Best Reviewed Wholesaler Credo runs a mystery shopping research program called Credo’s SEA.  (SEA stands for Service Experience Audit.)  Essentially, we have advisors across the country who are willing to complete a short survey about the experience they had with any wholesaler who calls on them.  We have the simple expectation that they should…