EN | FR

Insurance & Investments

Simple. Fast. Easy.®

Downside Protection Strategies

Investment Views, Investments

My last blog discussed the importance of downside protection, specifically looking at the asymmetry of gains and losses, and poor historical investor behaviour. This blog will investigate some strategies investors can implement to potentially protect their portfolio from significant losses in down markets, while still allowing them to participate in rising markets.

Read More

Off the Cuff with Amber Sinha

Investments, Off the Cuff

Amber Sinha discusses Brexit and the consequences of staying or going.

Read More

Importance of Downside Protection

Investment Views, Investments

Markets go up and markets go down. That’s the nature of investing in stocks and bonds, whether directly or indirectly through investment funds. Investors generally like upside volatility (when markets go up), but are much less tolerable towards downside volatility (when markets go down). Implementing downside protection strategies regardless of current market conditions can help reduce volatility when markets do go down, thereby helping to preserve and build wealth over the long-term.

Read More

Registered Retirement Plans with named beneficiaries: Lessons and Considerations

Investments, Personal Finance

In my last post, I shared the issue of naming an adult, independent child as a beneficiary of a registered retirement plan, (either a Registered Retirement Savings Plan or a Registered Retirement Income Fund (income version). (see Registered Retirement Plans with Named Beneficiaries: Unintended Consequences ) You may wish to avoid paying probate and estate costs on your plan. You may want to make the transfer as seamless and efficiently as possible. You may want to leave someone something extra. One issue is that the person receiving the money usually pays no tax. The estate usually pays the tax. The Canada Revenue Agency first looks to the estate to pay any income taxes owing. Only when there are insufficient monies in the estate, does the Canada Revenue Agency assess the beneficiary of the registered retirement plan for any balance owing. That means the beneficiaries in the will shoulder the tax bill. Is that the intention?

Read More

Registered Retirement Plans with named beneficiaries: Unintended Consequences

Investments, Personal Finance

Let’s say you’re single, divorced or widowed. You have saved up some money for retirement. Perhaps you are already retired and are taking out an income from your registered plan. You may not get to spend all of your savings during your lifetime. Where does the balance go?

Read More

Ditch the Narrative

Investment Views, Investments

I came across an excellent blog post entitled, “You Are Owed Nothing” that highlighted that real (after inflation) returns of capital are not a given. In particular, the 1965-1980 market stood out to me as one with no strong narrative as to why markets treaded water for so long.

Read More

Stock selection is key to investment success.

Investment Views, Investments

Recently, Empire Life achieved impressive results with 76% of long-term assets under management in the first and second performance quartiles according to Investment Executive’s analysis of segregated fund family performance in 2015.

Read More

Emblem Portfolios in action

Investments, Tactical Updates

Read More

Accumulating money - 3 things you need

Investments, Personal Finance

We hear so much from the media that we are not saving enough for retirement. This message is beaten into the minds of middle and upper middle income Canadians. Saving for retirement is tough, considering all the demands you have now. Investment choices are mind boggling. And rates of return rule the roost.

Read More

Life insurance mistakes to avoid

Helpful Tips, Insurance

There is no question that confusion exists when it comes to the topic of life insurance, and where there is confusion, mistakes can happen. So, to help you learn from other’s experiences, here are some common life insurance mistakes to avoid before, during and after you make a life insurance purchase: 

Read More

SHARE