Sequence of Returns Risk

Coping with the Uncertainty of Investment Returns Imagine that you have been putting away $10,000 at the beginning of each year from 2002 until 2019. For the sake of this example, taxes and commissions are excluded; you have been investing that money into the Canadian stock...

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Is your investment advisor legitimate?

Sources for checking on an advisor’s registration and disciplinary history I am a big fan of the combination of Do-It-Yourself (DIY) investing with Advice-Only, Fee-for-Service financial planning. I think it can be a cost-effective combination for many. On the other hand, there are many people who...

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Taxation of Investment Income

An Introduction to Tax Planning – Part 4 You think of yourself and your spouse along with your two children as an average family. Like me you are a resident of London, Ontario. Between the two of you, you earn about $80,000 per year or about...

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Risk Management

An Introduction to Insurance and Risk Management – Part 1 Wouldn’t you love to be a risk manager? It sounds like a job for the man or woman who gets great joy from being a party pooper. I suppose that might be true in some circumstances,...

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