Investor Insight
Collective Investor Sentiment Affects Markets
Understanding Investor Sentiment While bull and bear markets describe sustained periods of market movement, the terms “bullish” and “bearish” describe investor sentiment and expectations for the market’s future direction. Bullish: A bullish outlook is characterized by optimism and confidence. A …
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Assessing mutual planning with your life partner
When establishing a financial plan involving other stakeholders, such as paying down a mortgage, develop a written plan that all parties agree on.
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How life Insurance provides financial security
The primary purpose of life insurance is to provide financial capital for various family or business needs upon the death of the insured. Capital creation to provide financial protection Life insurance is a type of coverage that pays benefits to …
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Financial Strategies using Life Insurance
Life insurance needn’t be a boring topic. It’s the foundation of a sound financial plan. Moreover, protecting our family’s financial future is of great interest.
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Life Insurance and the Principle of Decreasing Responsibility
The “principle of decreasing responsibility” is a financial planning concept that states that an individual who has dependents such as a spouse and/or children has financial responsibilities that life insurance can help meet in the event of death.
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Avoid the Old Age Security (OAS) Clawback
The Old Age Security (OAS) clawback, officially known as the OAS recovery tax, reduces the amount of OAS pension you receive if your income exceeds a certain threshold. To avoid or minimize the OAS (Old Age Security) clawback in 2025, …
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7 ways life insurance protects your financial foundation
Life insurance has been called the foundation of your net worth. If you have a spouse or children, the initial stages of your financial strategy should include adequate life insurance coverage.
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To retire well, maximize your income strategies
We invest in what people buy. When an equity investment fund or stock is purchased, you indirectly invest in businesses relating to what consumers buy.
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Investing with a team of asset managers
If you are an investor who remembers the mortgage debt crisis of 2008-9, you know that the stock market lost significant value. From an investment standpoint, the real downside occurred when some investors sold off their equity holdings due to …
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Understanding transferring RRSPs to RRIFs.
RRSP Maturity Strategies: You are allowed to contribute to your RRSP up until December 31 of the year that you turn 71, at which point your RRSP must be closed. Instead, you can select any or a combination of: transferring …
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What is taxable in an estate?
After the death of an individual, every estate must file a final (or ‘terminal’) tax return. All assets are deemed to be disposed of at time of passing, and this can trigger probate fees and other expenses.
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