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  • About
    • About Russ
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    • General Resources
    • Calculators
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Creating an Investment Policy Statement

in Blog
by Russell Sawatsky

One of the insights from behavioural finance is that we all benefit from systematizing and automating our financial behaviour. Set up your bill payments to come out of your bank account automatically, and you will never worry about missing your payments again. Sign up for...

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Taking Canada Pension Plan at 65 versus 60 versus 70

in Blog
by Russell Sawatsky

In earlier years, the incentives to begin your Canada Pension Plan (CPP) payments at 60 made more sense. However, a few years ago, the Federal government created a compelling incentive to delay taking CPP. First, for each month before age 65 that you begin receiving...

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Saving for Retirement One Step at a Time

in Blog
by Russell Sawatsky

I occasionally hear, either in writing or in person, that saving for retirement is almost hopeless. The argument is that they are living paycheque to paycheque, and that there is simply no point in even trying. Consequently, and perhaps with a wry smile, they say...

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Embrace Laziness: The Best Approach to Investing

in Blog
by Russell Sawatsky

“If you want good investment performance, forget you have an account.”   This seems like an unlikely recommendation. Nor does it sit well with us. “Don’t just sit there; do something!” Isn’t that the usual guidance we receive? However, action doesn’t seem to work so well with...

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Three Investment Matters to Consider for the New Year

in Blog
by Russell Sawatsky

An Introduction to Investment Planning – Part 6 1. Contribute to your Tax-Free Savings Account (TFSA) As of 2020 your contribution room has increased another $6,000. If you have been age 18 or older since 2009, and a resident of Canada throughout that period, you now have...

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The Swiss Army Knife of Registered Accounts – The TFSA

in Blog
by Russell Sawatsky

An Introduction to Registered Plans – Part 3 The Tax-Free Savings Account (TFSA) was introduced into law as part of the 2008 federal budget and became a part of the registered plan landscape in 2009. The timing was auspicious as the world economy had fallen into...

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Riff…? No, we’re talking about a RRIF

in Blog
by Russell Sawatsky

An Introduction to Registered Plans – Part 2 You’ve saved up all that money in your RRSP. Now what? The Registered Retirement Savings Plans, intended to encourage saving for retirement, was introduced by the Government of Canada in 1957.   If you have saved inside an RRSP, eventually you...

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Russ Writes

  • In Praise of Mutual Funds
  • Understanding Locked-In Accounts
  • Estate Planning: Probating a Will
  • Creating an Investment Policy Statement
  • Using a Withdrawal Policy Statement for Retirement Income Planning

Contact

Russell J. Sawatsky
Qualified Associate Financial PlannerTM
T: (519) 852-0318
E: russ@moneyarchitect.ca

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