Planning

Corrections: What we can learn from the past

Corrections: What we can learn from the past – May 25, 2022. The Investments team looks at previous market corrections through the decades, the events that followed, and why staying invested through bouts of volatility has proven to be a beneficial strategy for the long-term investor. Well it’s official. The S&P/TSX Composite Total Return Index entered “correction…

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2022 Bulletin on Quebec Social Legislation

We are proud to present this 48th edition of the SSQ Bulletin on Quebec Social Legislation. It outlines the terms and conditions of the various federal and provincial social assistance programs in effect this year. These programs provide basic financial and physical security for the entire population. Over the years, SSQ Insurance has evolved in…

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4 estate planning tips

4 estate planning tips 1. Make a will 2. Appoint an executor 3. Think about the fiscal impacts 4. Discuss it Nobody likes to think about death or the burden it often represents for those we leave behind.Yet, it is important to be ready. Don’t postpone this important task―the decisions you have to make won’t…

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Time in the market not timing the market

The ride up is usually bigger than the ride down

It’s human nature to be more emotionally sensitive to falling markets, but it’s not always logical. It’s natural for markets to move up and down over time, and the average length of a rising (bull) market is much longer than a declining (bear) market, where gains in a bull market often far exceed losses in…

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Job A or Job B?

You have been offered a job and must pick between two different compensation structures. Which one are you choosing? Job A will pay you $80,000/year while working and $0 if you are unable to work due to an injury or illness. Job B will pay you $78,500/year while working and $53,000 (tax-free) if you are…

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The power of the kid start strategy

Kid Start from Empire Life is a whole life insurance strategy that leverages the tax advantages of individually owned life insurance to help give the next generation a financial head start in life. Kid Start offers a number of advantages over traditional financial vehicles used for tax-advantaged intergenerational wealth transfer, including: Access to cash via…

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Remember, you can’t get life insurance once you need it!

Remember, you can’t get life insurance once you need it!

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RESP Benefits

A Registered Education Savings Plan (RESP) is a special savings account to help Canadian residents save for a child’s post-secondary education. Benefits include: Help you systematically save and plan for a child’s education Tax-sheltered growth – there’s no taxes payable on the money earned in a RESP until it’s withdrawn Government Grants – Government matches…

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Reminder – Life Insurance is a simple act of love

Add to your family/business payroll The day you leave, insurance will come in to cover Use the interacvtive calculator to calculate the amount of coverage and cost specific to you. Receive a detailed report with multiple comparisons. Get started now

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Maximize your RESP

The Registered Education Savings Plan (RESP) is an investment program where the Government matches 20% of your contributions. You could even qualify for additional Grants based on your family income. There’s also the Canada Learning Bond where the Government offers up to $500 for low-income families. Start Early Families with young children can benefit the…

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