2016

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.

2016 editions

DEC
2016

Resetting expectations for retirement

As you get older, your investment focus should change from building wealth to preserving what you’ve accumulated – especially as you near retirement.

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NOV
2016

Dealing with Capital Gains Taxes

Capital gains can do wonders for the growth of your investment portfolio. The trouble? When you put money to work outside of a registered plan such as an RRSP or TFSA, odds are you’ll have to share your good fortune through capital gains tax.

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OCT
2016

Investing When You're Retired

Retirement brings fresh challenges for your portfolio. It's less about accumulating assets and more about how to best leverage the nest egg you've worked hard to build. The good news is it's a lot easier once you put the right pieces in place, starting with a sound investment plan.

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SEP
2016

DIY Investor? There’s Logic in Partnering with an Advisor

Sharing the challenge of managing your money can make you a better investor

When you’re investing on your own, it can be tough to get everything right – especially as your wealth grows or your affairs become more complex. That’s why having a little help along the way can move you closer to your goals, with less worry.

Here's what to consider before you decide.

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AUG
2016

Downsizing: Opportunity or Trap?

Is it time to downsize your home? That's a question sure to surface once the kids leave or the upkeep becomes more than you bargained for.

A move to a smaller abode can do wonders for your finances and your lifestyle. But not always. The trick is to look past the dollar signs alone so you make the right choices.

Here's what to consider before you decide.

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JUL
2016

Is Paying Down Debt Always the Best Move?

In an era of rock-bottom interest rates, is putting debt reduction ahead of other key goals like saving for retirement or your children’s education the best move?

Whether to pay down debt or invest can be a complicated decision that often goes beyond the numbers. Here’s what to consider before you choose.

Here's what to consider before you decide.

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JUN
2016

Helping Aging Parents: Why it’s Smart to Plan Ahead

Your parents. They watched you take your first steps and guided you with a steady hand. The irony? Some day they’ll be the ones needing your help.

It’s an awkward role reversal. Odds are you’ll underestimate the commitment involved, physically, emotionally, perhaps even financially. That’s why it’s wise to prepare now, before declining health or a crisis limits their options or forces you into difficult decisions.

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MAY
2016

Should You Take CPP Early?

There’s nothing that says you must begin collecting CPP at age 65. Wait until 70 and you’ll enjoy a monthly benefit that’s more than double what you receive at 60. Then again, taking CPP early, even with the smaller payments, can make sense for any number of reasons.

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APR
2016

Investing? Focus on What You Can Control

When investing, there's no shortage of elements which are out of your control, whether it's the state of the economy, the direction of financial markets, interest rates or inflation.

The trouble starts when you spend too much time trying to anticipate how the world will unfold, instead of taking charge of your investments. Creating a sound plan centred on what you can control, so you're not left just hoping for the best, gives you a leg up on achieving your goals.

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MAR
2016

Injury and Illness: Surviving the Financial Fallout

No one likes to think about it, but disability and serious illness are a fact of life. The numbers speak for themselves. According to figures from Sun Life, 45% of Canadians have experienced a serious health issue or accident. Of those, half report feeling the impact financially.

When misfortune strikes, long-term disability and critical illness protection can mean the difference between protecting your financial health and losing it altogether.

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FEB
2016

Understanding Your Workplace Pension

What's your most prized retirement asset? Is it your RRSP? Government benefits like CPP and OAS? Don't be surprised if it turns out to be your workplace pension. This month's Wealth Insights will help you understand your workplace pension to ensure you are getting the most out of it.

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JAN
2016

RRSPs: Setting the facts straight

RRSPs have their fair share of myths and half-truths. Basing your decision-making on fact – not misconception – is how to make the most of saving for your retirement. This month's Wealth Insights highlights five myths about RRSPs that could be holding back your retirement savings.

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