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December is a great time for a year-end financial checkup. It is also the perfect time to meet with your financial adviser to discuss your current and future financial goals. In addition to making sure you don’t miss any investment opportunities before 2013 wraps up, your adviser can work with […]
It’s easy to get emotional about stocks, especially when markets behave like roller-coaster rides. That’s why it’s a good idea to stay disciplined in your approach to stock selection. It sounds simple, but the fact is that ignoring short-term gyrations and holding an array of quality stocks for the long […]
Harvest season may not mean that much to you if you don’t work in agriculture. Nonetheless, you can learn a lot from those who do—especially in your role as an investor. Here are a few of these lessons to consider: “Feed” your portfolio. Through the proper combination of fertilizers and […]
When it comes to retirement income, registered retirement income funds (RRIFs) are by far the most popular choice for Canadians. About 80 per cent of us convert our registered retirement savings plans (RRSPs) to RRIFs. But while RRIFs are suitable for most retirees, they aren’t for everybody. For some, an […]
If you own a business, you may follow a “do it now” philosophy—which is, of course, necessary to keep things running smoothly. Still, you need to think about tomorrow, which means you’ll want to take action on your own retirement and business succession plans. You’ve got some attractive options in […]
We know that stress can have many adverse affects on our lives and can affect the quality of our health. Cutting out stressors, including in investment activities, can have a positive affect. But how? Here are a few possible stress-busters. Know your risk tolerance. If you’re constantly worrying about the […]
Living paycheque to paycheque? Unexpected expenses regularly throwing your retirement savings goals off-track? This is a good time to schedule a financial-planning checkup with a financial adviser. The key to staying on track for retirement is having a plan. Contrary to what you may think, developing a proactive plan is […]
When people hear the words “estate planning,” they often assume it’s an activity only for retirees or near-retirees, but if you have a family, it’s never too soon to create your estate plan. Estate planning can seem like a daunting task, but you’ll find it easier to handle if you […]
There’s been a lot of talk lately about how everyone needs to hit a certain “number” before they can retire comfortably—a number that is, frankly, intimidating to many Canadians. Is it true? Your so-called “number” or retirement savings threshold won’t come from a simple formula. Contrary to what some may […]
The tax-free savings account, or TFSA, is frequently called “a registered retirement savings plan (RRSP) for everything else beyond retirement.” Unlike an RRSP, you can access the money in your TFSA with no tax consequences for any need, and the amounts withdrawn are added to your contribution limit amount in […]
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