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Category Archive for: ‘Investments’

Understanding the Risks in Your Portfolio

risks

It’s important for investors to understand that there are always risk factors involved with any type of investment. Understanding how these risks impacts our investments will help all Canadians make better investment choices. Inflation Risk: Inflation erodes the purchasing power of your money each year as the prices of goods and services continue to rise. This is the reason why …

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Looking for Returns in today’s Low Yield World?

returns

At an Investment Forum I attended in October, several speakers commented on the need for people to temper their expectations as to the investment returns we will receive in the near future. My job is not to sugar-coat but to advise on realistic expectations. Today’s global economy is impacted by 3 themes: 1) on-going low interest rates, 2) slow global …

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An Insured Annuity Offers Financial Security & Safety

insured annuity

Today we Canadian’s are living longer.  One of the biggest concerns that aging Canadians have is outliving their retirement savings. On top of this, many of us would like to leave a legacy of some sort to our families and other beneficiaries. Low interest rates are the ‘new normal’ while the stock market continues to enjoy a gravity-defying ride (so …

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Understanding Investment Risk – Part 2

investment risk

Managing Risk: While risk awareness can lead investors to make prudent decisions, it is also possible to be overly cautious. “Safe,” low-interest cash investments, like money market funds for example, are an excellent choice for preserving assets once one approaches or achieves their goal. But over the long-term, they generally cannot provide the capital appreciation needed to meet a significant …

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Understanding Investment Risk – Part 1

investment risk

We all take risks in the hope of gaining something.  It may be buying a home, changing careers or going back to school. Investing, like many other things in life, involves risk in order to achieve return. While it’s normal to be concerned about the security of your money, a narrow perception of risk can be limiting. In fact, by …

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Where to Look for Investment Growth

investment growth

Since the election of Donald Trump in November, U.S. stocks have surged to all-time highs, and the S&P/TSX Composite index isn’t far off.  The US Federal Reserve raised their base rate 0.25% as expected and indicated the potential for some additional increases to come in 2017.  Their cautious, yet generally positive, economic statement follows a slew of improving data.  This …

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RRSPs, TFSAs and Overall Investing

tfsa

As we approach the crazy RRSP rush deadline for another year I can’t help but wonder why so many investors are doing a lump sum deposit rather than monthly deposits. Contributing monthly to either an RRSP or TFSA by way of an auto debit plan is both painless and called “paying your-self first!” RRSPs or Registered Retirement Plans are long-term …

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What can we expect in 2017?

2017

As we start into 2017, here are some comments on what investors should consider in the coming year. Investors may benefit by taking a more cautious approach, but at the same time realising it’s not all doom and gloom out there. There are three key trends to consider relating to equities; fixed income, earnings and economic fronts, with the consensus …

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Finding Income in Today’s Low Interest World

income

A quick scan of current five-year GIC rates shows most are below 2%. After factoring inflation at 4% and the interest income fully taxable, it makes sticking your money under the mattress somewhat appealing! What are the alternatives for investors or seniors looking for secure income today? Annuities verses GICs: A 68 year old couple investing $300,000 into an annuity …

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Do Our Investments Needs Change as We Retire?

retirement

Retiring at age 65 gives us an average life expectancy of about 20 years, which means half of us will require retirement income for longer than two decades. Entering retirement is a time of transition, with many changes to accept, not least of which is what type of investments one should hold. The common approach has been for individuals to …

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Investment Opportunities for Seniors in 2015!

investment

Changes made for the 2015 tax year include an increase in the allowable TFSA contribution room limit for 2015 and a new minimum withdrawal schedule for RRIFs. Both present new opportunities for retirees, as to managing their unregistered savings and RRIF withdrawals. Annual TFSA contribution room was increased to $10,000, but now that the Liberals have been elected, it’s likely …

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“Must-knows” about Investment Risk

investment risk

Why it’s essential to understand risk: In order to plan for your financial future, you need to understand that investment risk and returns are intertwined, you can’t have one without the other. In general, taking on more risk can potentially provide both greater rewards and greater losses. It’s important to note too that investment risks go beyond the normal ups …

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The Benefits of Investing in Segregated Funds

Segregated Funds

With today’s market volatility, investors should consider the benefits that segregated fund policies offer them, as well as the unique features that make them different from mutual funds, especially with creditor protection, and payouts that bypass probate. A segregated fund contract has two parts: an investment that produces the return and an insurance policy that covers the risk. Like a …

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Update on the TFSA verses RRSP debate

TFSA

Now that the annual TFSA contribution limit has been increased to $10,000, Canadians who had maxed out their contributions can now invest another $4,500 for 2015. This increase to $41,000 means TFSAs have become a significate part of many people’s saving and retirement plans, especially for couples. There will be no further annual increases to this new limit, but all …

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Investment Choices

Stop Doing What Doesnt Work

Are investors disconnected from today’s investment choices?  Almost half of Canadian investors that were polled said that the main objective for their investments was growth, because they were investing for the long-term and didn’t need the money right away. Over 30% of these said that they were looking for annual returns of 6% or higher. But how well are their …

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Living With Today’s Investing Realities

Investing Realities

Today’s investing realities are less than desirable, but they are what they are and we need to make the most of what we can.  Who would have thought last June that we would see the price of a barrel of oil dropping from $115 US to less than $50 like we saw last month? We also wouldn’t have predicted that …

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Investing Thoughts for 2015

Saving With Puppy

With tax season underway, tax returns coming in, and hopefully new years resolutions still in place, it is a good time to bring up my investing thoughts for 2015. This year, many Canadians in low tax brackets will purchase 5 year RRSP GICs at around 2.4%, with borrowed money at say 3.5%  that they can’t deduct the cost of borrowing …

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Some thoughts on investing into 2015

Stock Market1

Attending a Manulife investment conference recently, I came away with investing information I feel is helpful in countering the barrage of misinformation that we are exposed to by the media. Speculation on interest rate increases is a prime example. The reality is that inflation looks to be well contained in most areas of the globe for the first time in …

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Looking Forward 12 months For Investors

Tree Chart2

I want to pass on some thoughts expressed by Phil Peturrson at a recent financial seminar hosted by Manulife. As the managing director of the Manulife Investments Portfolio Advisory Group, Phil spoke about looking forward 12 months and highlighted five points for investors to consider: 1) Countries with healthy consumers have healthy economies 2) North American equities are not expensive, …

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7 Benefits of Off-Farm Investments You Shouldn’t Miss

7 Benefits Feature

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