Investing during a market recovery

"When markets have been below their peak for some time, it’s helpful—psychologically and financially—to keep in mind that down markets have always been followed by recoveries. Psychologically, you’ll feel reassured that better days are ahead. Financially, you'll be able to continue investing while prices are lower.”

Help your child purchase a home with an FHSA

"Today’s housing market remains challenging, leaving many first-time home buyers hard-pressed to come up with a down payment. So, quite often, parents or grandparents want to help out. As of April 1, 2023, a new avenue has opened to help fund a down payment: the First-Home Savings Account (FHSA)..."

A Smooth Start (For Now)

"Investors’ appetites have increased as we entered 2023. What made investors so optimistic?"

Market Update

“Investors had lots to cheer this January. Stocks rose, bond yields fell and inflation cooled again. There were also early signs central bank rate hiking might be paused soon as well as positive economic news coming from Europe and China. After a bruising 2022, it’s a promising start to the New Year…”

Borrowing to Invest

"Is borrowing to invest a good idea? All you need to come out ahead is a return on your investment that’s greater than the interest you pay on the loan. That makes it especially tempting when the market is climbing and interest rates are low..."

2022, Year in Review

“The typical Balanced Investor experienced a turbulent ride in 2022. Inflation, central bank rate hikes, oil prices, supply chain disruptions and the Russia-Ukraine conflict cast a long shadow on markets, causing extreme volatility and dominating financial headlines 24/7…”

Should you delay your OAS pension?

Last summer, Old Age Security (OAS) benefits permanently increased for the first time in almost 50 years. The payment increase is 10% and applies to seniors aged 75 and older. This increase gets a further boost when seniors delay starting their OAS benefits..."

Meeting multiple goals with a TFSA

"Ever since the Tax-Free Savings Account (TFSA) was launched in 2009, many Canadians have used it as a general savings account. However, to make the most of a TFSA, it should be targeted to reach a specific financial goal..."

Managing a windfall, large or small

"It’s a challenge no one minds facing: determining what to do if a lump sum comes your way. With a smaller windfall, the decision often focuses exclusively on how to use the money. A larger windfall brings larger issues into play..."

Ensure family harmony when planning your estate

“When you leave an inheritance to your loved ones, you intend to give each person some welcome help in meeting their financial and life goals. No one wants an inheritance to cause discord among the beneficiaries…”