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Sustainable investing at Empire Life

Investment Views, Investments

From the Desk of Ashley Misquitta and David Mann: In this recent article, the portfolio managers discuss the evolution of sustainable investing and its growing popularity among investors. Ashley and David  also share how they incorporate ESG factors into their investment process.

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Small cap stocks: Leaders in a recovery

Investment Views, Investments

Since the beginning of November 2020, we’ve seen the outperformance of small cap companies in relation to larger corporations by nearly eight percentage points. Spurred initially by the announcement of the COVID-19 vaccination and distribution plans across the country, momentum continued through the end of the year.

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Will rising bond yields derail the recovery?

Investments, Off the Cuff

Geoff Johnston shares the message behind the recent rise in bond yields in this Off the Cuff video.

 

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2021 Financial facts @ your fingertips

Investments, Personal Finance

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Emblem Portfolios in action - Asset Allocation Update, January 25, 2021

Investments, Tactical Updates

Key takeaways:

Increased International equities, decreased US equities.


Tactical Update - January 25, 2021

European markets have materially lagged US equities over the past year due to multiple reasons including index composition and Brexit uncertainties. This has resulted in Europe trading at a near record discount to the US. Given its cyclical nature, the Japanese market has performed well but continues to provide exposure to a rebounding global economy.

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Critical illness insurance: Get to know the facts and financial impacts of an illness

Helpful Tips, Insurance

In our last post in December, we talked about the idea of using insurance to protect the things you care about and value the most. Your good health just might be the most important thing you possess, and as we’ve seen during the pandemic, a public health emergency can turn the world on its head in an instant. The same holds true for families and individuals when a health crisis hits. This month we want to focus on the need to protect against the financial impacts of a serious health issue, and that’s where critical illness insurance comes in.

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Insure the things you value most (including your ability to earn a living)

Helpful Tips, Insurance

When looking at insuring the things that are most important to you and your family: your home, your health and your life are a few of the most obvious examples. Most people have at least one of those insured. While it may not be as obvious, your ability to meet your loan and other credit obligations is probably one of the most valuable things you possess. Do you have that insured?

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RRIFs and changing beneficiaries to annuitants

Investments, Personal Finance

Bill and Rosalind are friends of Sam and Christine, whom you met in this article. They live in Halifax. Bill died of a stroke just before his 70th birthday. He had named his common law partner, Rosalind, as beneficiary of his Registered Retirement Income Fund (RRIF) via his will, which he had set up earlier in the year.

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RRIFs and successor annuitant benefits

Investments, Personal Finance

Sam and Christine live in Moncton, New Brunswick. Sam is celebrating his 71st birthday this year. He has held on to his Registered Retirement Savings Plan (RRSP), optimizing the tax sheltered benefits of doing so. He named his wife Christine as beneficiary of that plan. Sam wants to convert his RRSP to a Registered Retirement Income Fund (RRIF).

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RRIF transfers to spouse using segregated funds

Investments, Personal Finance

Tom and Sharon have been together for about 8 years. This is a second marriage for both of them. Tom is semi-retired; Sharon is a retired schoolteacher. The couple are both wary investors; they still feel the pain of the big market correction in 2008–09. They moved their investments to segregated funds for the insurance guarantees including the ability to reset the minimum guarantees based on the growth on their investments.

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