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The Bank of Canada has increased its policy interest rate by 50 basis points, which now stands at 3.75%.

Successive increases in interest rates will inevitably lead many mortgage holders to refinance their loans or extend their amortization. Add to that the ever-increasing level of debt, and it’s a difficult burden to carry that no one wants to pass on to their loved ones.

Discover how Transition can enhance your service offering and impact the lives of people through real-life stories.

Did you know… rising interest rates = an opportunity in disguise?

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“We remain positive on commodities, especially on energy, over the long term. A stabilization of the Chinese property sector would be a catalyst to increase the weight of base metal producers in the portfolio. With the recent pullback, we are looking at increasing our exposure to that industry.” — J-P Chevalier & Marc Gagnon 

“We continue to focus on earnings sustainability while avoiding companies that will most likely have to downgrade their earnings expectations materially.” — Donny Moss

“The software industry should be strongly favoured by rising automation needs, and we want to invest in areas that should be resilient in a potential downturn.” — Jean-Pierre Chevalier

“After the pullback in yields at the start of the third quarter, we think the market is a little too aggressive in embracing peak rates, and the recent highs will most likely be tested again as the narrative shifts toward the adverse economic consequences of a recession, rather than the rate decisions that have brought us there. As a result, we will monitor and adjust duration accordingly.” — Alexandre Morin