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  • About
    • About Russ
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    • General Resources
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The Case for Cash: Emergency Funds, Sinking Funds, and Liquidity Risk

in Blog
by Russell Sawatsky

Many investors dislike holding more than a minimal amount of cash. I understand the concern. Over long periods, cash usually earns less than stocks. Even a high-interest savings account may not keep pace with inflation after taxes. If a household has a long time horizon,...

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Embracing the Power of “Looking Poor”: A Path to Wealth

in Blog
by Russell Sawatsky

Meet Emily As a 34-year-old engineer living in Hamilton, Ontario, Emily has achieved considerable success in her career. Working for a well-established and growing firm, she earns a comfortable income, enjoys the fruits of her labour, and loves the finer things in life. Yet, despite her...

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The Value of Emergency and Sinking Funds

in Blog
by Russell Sawatsky

On February 13, 2023, Statistics Canada released a report that found one in four Canadians was unable to cover an unexpected expense of $500. The report went on to compare age groups, racialized groups, and regions. If you are 35 to 44 years old, Black...

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Russ Writes

  • Tax-Free Does Not Mean Rule-Free: Understanding the Limits of a TFSA
  • Taxing What We Earn, Spend, and Leave Behind
  • Downsizing in Retirement: Things to Consider
  • The Case for Cash: Emergency Funds, Sinking Funds, and Liquidity Risk
  • Old Age Security: Bigger, Smaller, or Better Targeted?

Contact

Russell J. Sawatsky
Certified Financial Planner®
T: (519) 852-0318
E: russ@moneyarchitect.ca

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