Bank reputations are “in the toilet” The recent CBC Marketplace story on the sales culture inside the banks has proven to be a cautionary tale when it comes to using the banks for transacting in your financial business. As for the topic of this blog post,...
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Implications for Canadian Investors Lee is a diligent Canadian investor who has been carefully building an investment portfolio over the years. Lee’s financial journey includes a Registered Retirement Savings Plan (RRSP), a Tax-Free Savings Account (TFSA), and a substantial non-registered account. Let’s examine Lee’s story and...
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Technical analysis is a popular method used by investors to predict future price movements of securities based on historical data. It involves the use of statistical trends gathered from trading activity such as price movement and volume. It can be compared to studying past weather...
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Meet John and Jane Jane and John are a couple in their early thirties. They own a townhouse in a suburb outside of Toronto. Although the commute is a bit of a burden, their jobs as an architect and software developer, respectively, allow them to work...
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The Canadian Retirement Dilemma As a matter of public policy, Canada has built several safety nets to help mitigate poverty for retirees. Among the most well-known are the Canada Pension Plan (CPP) and Old Age Security (OAS). Lesser known, but available to lower-income Canadians is the...
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“Decumulation” (I don’t really like this word, but I suspect I lack sufficient influence to change things) is the spending down of assets that have been accumulated in preparation for retirement. It is the conversion of pension plans, RRSPs, TFSAs, and other financial assets into...
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Introducing Ruth and James Ruth and James, born and raised in a smaller community in southwestern Ontario, went to work directly out of high school. They plan to make 2024 their last full year of work as they will turn 65 in 2025. Married at age...
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Norman Rothery, The Stingy Investor Norman Rothery of Stingy Investor fame, publisher of The Rothery Report, and frequent contributor to The Globe & Mail and the Canadian MoneySaver, provides a lot of free and paid resources. Among the free resources is his annual “Periodic Table” of...
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Recently, I’ve been thinking about saving versus investing or the idea of engaging in “risky” investments versus “safe” interest-bearing deposit products. This idea came to mind again because of the findings presented in my last blog post that financial planners in Japan did not tend...
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“Them’s fightin’ words!” Or so a character might say if I was writing a script for a 1950s Western. Nevertheless, some in the stock picker’s camp might take offence at the assertion in the title of this blog post. This seems to suggest that there...
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