2015

Wealth Insights

Wealth Insights is a monthly newsletter for customers interested in topics and trends related to wealth management, investing and financial planning. Wealth Insights will feature a wide variety of relevant topics aimed at helping you and your Financial Planner work together as you pursue our financial goals.

2015 editions

DEC
2015

Dividend Investing for Income and Growth

It's not easy being an investor these days. Stock markets are up one day and down the next. It's times like these when dividend-paying investments can make a real difference to your portfolio. This month's Wealth Insights highlights how dividend fund investments may help your portfolio.

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NOV
2015

Year-End Financial Tips

The last few weeks of the year are an important time on the financial calendar. So before you get caught up in the excitement of the holiday season, spend a few minutes reviewing your finances. This month's Wealth Insights offers some year-end financial tips to consider.

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OCT
2015

Money and Marriage

There's not much that can impact the course of your life like marriage. But whether you're saying 'I do' for the first time, celebrating an anniversary or tying the knot once again, how you handle the financial side of your relationship helps in determining your ultimate success as a couple.

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SEP
2015

Are You Making These Investment Mistakes?

The road to investment success isn't a straight one. Highly-charged emotions like greed and fear, misconceptions about investing, a knowledge gap - they're all factors which can hold you back from achieving what you want.

Smart investing can become a habit. So can committing errors with your money. Repeating the same mistakes is a recipe for rattled confidence and disappointing results.

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AUG
2015

Making the Case for RESPs

Tuition costs are up a staggering 200% since 1992, nearly quadruple the rate of inflation. Tack on books, student fees and living expenses and the full cost of a degree is going nowhere but up.

Thanks to the registered education savings plan – the RESP – families can get the jump on future educational costs through a unique combination of tax-deferral and government grants. Yet, in a survey by the Chartered Professional Accountants of Canada, nearly half of parents admit to not having one. Delaying contributions even a few years could translate into significant dollars lost.

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JUL
2015

Is it Time to Review Your Estate Plan?

With a proper estate plan you have the comfort of knowing you've taken the right steps to protect those you care about, and ensure your property will be handled according to your wishes. The problem? What starts out as a well-thought-out strategy can fall short from neglect.

According to a recent poll, more than a third of Canadians aged 65 and over don’t take regular steps to keep their estate plan updated. It's critical to adjust your plan as your life evolves. Fail to do so and your loved ones could wind up bearing the consequences, financial and emotional.

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JUN
2015

Life Insurance - It Can Do More Than You Think

Shielding your family from financial hardship isn't the only reason to own life insurance. What is often overlooked is life insurance's role as a financial planning tool.

For most people, sooner or later, debt shrinks or is paid off entirely. Family obligations lighten and become more manageable. That's when other financial priorities often emerge. You'll start to think more seriously about building assets, preparing for retirement and eventually leaving a legacy.

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MAY
2015

The Importance of Diversifying Globally

Canada's equity markets represent less than 4% of the globe's total stock market capitalization. That means if you prefer to stay at home with your investments you'll miss out on the vast majority of the world's opportunities, whether in the United States or overseas.

Investing abroad may be unfamiliar so it often feels riskier. The truth is keeping too much of your money here can increase the volatility of your portfolio and even hurt your returns. Simply put, participating in the other 96% of the global market can give your portfolio an edge in stability and performance over a made-in-Canada solution.

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APR
2015

Income Splitting: How Your Family Can Save Tax

How your household income is divided between you and your loved ones can make a real difference in the amount of tax you pay as a family.

A household that is able to shift income between individuals to take advantage of lower tax brackets, higher credits and more deductions, can save. In brief, that's the idea behind income splitting.

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