There are three trends that will guide the Canadian economy in 2017. Those are: the strength, or lack thereof, of oil prices; domestic housing developments; and whether the U.S. economy continues to improve. So says Russell Investments’ 2017 Global Market Outlook,…
Available until January 1, 2017 A New Approach A new method of structuring an insured annuity has restored its favourable results. The new approach involves combining the prescribed annuity with a Universal Life policy. The UL policy is funded with…
In bull markets some investors develop unhealthy expectations as to the long term yields their investments should provide. Ten years ago, some came to accept returns as high as 15% to 20% per annum as the base return their fund…
Many of us set New Year’s resolutions for ourselves and often those resolutions have to do with finances. January is the month we say, “Ok, this year I am going to save more and spend less”. This article won’t tell…
Growing your estate without undue market risk and taxes Often we see older investors shift gears near retirement and beyond. Many become risk adverse and move their assets into fixed income type investments. Unfortunately this often results in the assets being…
One of the most common investment questions Canadians ask themselves today is, “Which is better, TFSA or RRSP”? Here’s the good news – it doesn’t have to be an either or choice. Why not do both? Below are the features…
As the equity markets rebound and more stable returns reappear, it is a good time to review and consider what it means to be a prudent investor. If the past several years have taught us anything it’s that in times…
If you’re like most Canadians, you’ve probably been working for quite some time—in all likelihood, since your early 20s. And, if you were like most people, you probably didn’t earn much in your 20s. That first job (maybe the first…
Over the past two months we have examined some of the risks that challenge most of us. It is almost impossible to avoid risk entirely. Knowing where the pitfalls lie and planning for them will certainly help. You might, however,…
Will Rogers, the American humorist, when talking about the investment schemes in North America at the time, said “I am less concerned with the return on my money, than I am with the return of my money”. Will was aware…
