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Ride out volatility with a systematic approach

A systematic investing plan provides discipline and the potential for better returns. Investors who watch the markets closely can get dizzy tracking all the ups and downs – and, as prices fluctuate, often unpredictably, it can be hard to stay focused on long-term plans. When markets drop, it can be very difficult to fight the…

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It Pays to Stay Invested…

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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…

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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…

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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.…

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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.…

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Paying the Price for Post-Secondary Education

With Peter Wouters, Director, Tax Retirement & Estate Planning At least 70% of new jobs require some form of post-secondary education or specialized training and the price of entry isn’t cheap. Post-secondary costs have steadily risen and continue to rise on a yearly basis. In this installment of Life & Money Matters, Peter Wouters explores different…

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Financial planning or wealth management?

By Susan Yellin – sunlife.ca It takes financial planning to create wealth, but you needn’t be wealthy to plan. So what’s the difference between planning and wealth management? A financial plan is not a single-purpose, one-time task. In fact, when you embark on this crucial strategy, it’s important you think of it as a multi-step,…

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Money Facts 2017

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Manulife Solutions – Winter Edition 2016/2017

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