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December 2025
Global equity markets have delivered a strong run over the past eleven months. As we approach year-end, major indices remain on track for a third consecutive year of double-digit gains. The S&P 500 is up 14.2% (total return in Canadian dollars), the MSCI ACWI +17.4%, the MSCI EAFE +23.5%, the MSCI Emerging Markets +25.7% and the S&P/TSX +30.0% year-to-date.
November saw a modest rise in volatility, reflecting shifts in interest-rate expectations and the reopening of the U.S. government following the longest federal shutdown in history. Investors closely monitored these developments as they assessed the potential impact on economic growth and capital markets.
Equity markets have exhibited remarkable resilience this year, driven by steady consumer demand, broadly accommodative policy and corporate earnings that have generally exceeded expectations. The magnitude of stock market returns over the past three years has been impressive, with the MSCI All Country World Index returning 19.6% annualized over the period, particularly given the macroeconomic and geopolitical backdrop. Valuations in several segments now reflect a high level of investor optimism, underscoring the continued importance of careful security selection and portfolio construction.
In this environment, we maintain a defensive stance while remaining attentive to emerging opportunities for investment. Our focus continues to be on managing well-diversified portfolios across regions and industries and identifying fundamentally sound companies.
Portfolio activity continues to reflect a measured and methodical approach. Since the start of the year, sales have exceeded purchases across our global balanced and global equity strategies. In November, we continued to raise a moderate level of cash, taking profits in select holdings where valuations had reached or exceeded our assessment of intrinsic value. This included reducing our position in Bombardier to capitalize on gains from strong share price appreciation, while maintaining the holding within target weight ranges. We also trimmed our position in Regis Resources due to its elevated valuation following a strong run in gold prices, consistent with our perspective on the gold sector highlighted in November’s Portfolio Update letter. As a result, balanced mandates are approaching target asset allocations.
At the same time, capital remains available for deployment where fundamentals and valuations present an attractive risk-reward profile. In this context, a position was recently initiated in Canadian National Railway (CN). CN is a leading transportation company, moving over 300 million tons of natural resources, manufactured products and finished goods annually across North America. The investment was made at an attractive entry point, with the stock trading near a seven-year low. At the time of purchase, the company traded at approximately 16 times price-to-earnings, below its long-term average of 20 times, and at roughly a 20 percent discount to North American peers.
CN has faced macroeconomic pressures, including softer freight volumes and trade-related headwinds. We believe that these challenges are well understood by the market and largely reflected in current valuations. We view the company as positioned for long-term growth, supported by its operational scale, critical role in North American trade and improving freight dynamics. In addition, Canadian government investment in infrastructure projects is expected to provide a structural tailwind, supporting higher freight volumes over time. These factors, along with the company’s attractive valuation, provide a compelling opportunity to own a transportation leader with a critical role in the region’s core infrastructure.
The current environment underscores the importance of maintaining discipline amid strong market performance. Diversification across regions and sectors remains central, both to enhance long-term returns and to mitigate concentration risk, particularly if sentiment in specific areas of the market shifts. Maintaining this long-term approach positions portfolios to navigate evolving conditions.
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