Decoding financial jargon

Decoding financial jargon

How to understand the language of finance like a boss. DOES THIS SOUND FAMILIAR? A colleague is talking to you about the alpha of one of their investments. You nod your head, but your eyes gloss over. The discussion ends and you wonder what you just had a conversation about.    Finance-speak can be confusing […]

Segregated funds vs. mutual funds: how do they compare?

Segregated funds vs. mutual funds: how do they compare?

Two great investment options with distinct differences. Many investors have heard about mutual funds and the wealth potential they have as an investment. Fewer know about segregated fund solutions (seg funds) and their unique features and advantages. Like mutual funds, seg funds are pooled investments. They combine the money of many investors, creating economies of […]

Why stay invested (even in a down market)?

Why stay invested (even in a down market)?

The following graph shows the rolling returns (returns over X consecutive years) for 1, 5, 10 and 20 years. The green lines are positive returns and the red are negative returns. Each consecutive line shows more green lines and fewer red lines thus showing that the longer you stayed invested, the better chance of positive […]

Financial planning for special needs children

Financial planning for special needs children

How to support their care for a lifetime. Most families are concerned about planning for their children’s financial futures, but for families with special needs children, financial planning strategies have a different and often more complex dimension. The cost of supporting an individual with special needs adds up quickly – from therapies, medical equipment and special […]

Which investments can reduce your tax bill?

Which investments can reduce your tax bill?

Taxes may be inescapable, but your choice of investments can have a huge impact on how much tax you pay. It all depends on your personal situation and how you structure your investment portfolio. 3 types of investment income and how they work A basic investment portfolio can generate three types of income: Interest income. […]

30 Day financial Challenge

30 Day financial Challenge

Do some financial cleaning with our one-month challenge. WITH PLENTY OF PRIORITIES COMPETING FOR OUR ATTENTION, money matters can sometimes be pushed to the back of the shelf. But, just like an annual decluttering at home, getting our financial house in order can make a big difference to daily life. Make a commitment to take […]

Staying invested in the market

Staying invested in the market

POSTED BY PETER WOUTERS of Empire Life A common piece of advice for investors is that long term success doesn’t hinge on timing the market. It’s time in the market that may make the bigger difference. Most investors aren’t professionals. Accredited investment specialists devote their education, training, time and resources to studying the markets and individual companies. […]

Millennials and Retirement

Millennials and Retirement

The opinion of retirees and older workers alike is that millennials may have a better chance to control their future when it comes to saving money for their future lifestyles. Let’s take a closer look at that and consider the millennial perspective. The Future of Retirement: Generations and Journeys research (2016) identified a number of […]