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Home Financial Health Blog Archive for category "Invest for growth and income"

Invest for growth and income

Retire Happy, Wild, and Free: Sources of retirement income

I’ve recently read a book called HOW TO RETIRE HAPPY, WILD, AND FREE.  It’s a non-financial look at thinking about and preparing for what you will do and how to get the most out of life in semi-retirement or retirement.  Included are examples of people who have retired anywhere from age 27 to age 80. Read More…

 

What does ‘Sell In May And Go Away’ mean?

Sell in May and go away is a well-known trading adage that warns investors to sell their stock holdings in May to avoid a seasonal decline in equity markets. The sell-in-May-and-go-away strategy is where an investor sells his stock holdings in May and gets back into the equity market in November, thereby avoiding the typicallyRead More…

 

Seven Personal Financial Tips for 2017

Happy New Year!  Here are a few thoughts I’ve put together to help you make your 2017 a great financial year: Hedge your currency bets.  Here’s a great way to make sure you don’t get a shock when you buy U.S dollars.  Say you need $5,000 U.S. for a vacation.  You can set up aRead More…

 

A low-cost personalized ETF investment portfolio

After considerable and lengthy due diligence I am excited to announce that I have entered into a referral arrangement with a low cost Exchange-Traded Fund (ETF) portfolio manager for my clients’ investment management needs.  It is an innovative and efficient digital wealth platform which uses Exchange Traded Funds (ETFs) as the building blocks of yourRead More…

 

Guaranteed Interest Funds: Total security

A Guaranteed Interest Fund, offered by insurance companies, is a secure investment that grows your money at a guaranteed rate of interest for a fixed period. It is ideal for investors looking for capital security.  These funds are similar to guaranteed investment certificates (GICs) offered by banks but with the following unique characteristics: Advantages andRead More…

 

Private Wealth Management

For those with $200,000 to $1,000,000, we offer the option of working with a firm of licensed discretionary portfolio managers  who employ the investment management techniques of pension funds and institutions.  Some of the benefits to you include: An investment committee of senior professionals (CFA, CFP, and/or CIM) with an average of 25 years’ experienceRead More…

 

A Personal Defined-Benefit Pension Plan

Retirement income protection: The Guaranteed Lifetime Withdrawal Benefit When you choose a “Guaranteed Lifetime Withdrawal Benefit” (GLWB) option with a Segregated Fund, your retirement income is guaranteed for life and will never decrease, even in market downturns. Better still, this guarantee also offers you the possibility of increasing your income. Why choose a GLWB? GuaranteedRead More…

 

Build a rock solid pension with no stock market exposure: Start with $25,000

Consider this fixed income investment that provides a guaranteed retirement income for life without having to live with the risk and volatile returns of the stock market.    Retirement today Most Canadians have saved some money in RRSPs and TFSAs but do not have a clear idea whether their savings are sufficient, or how muchRead More…

 

Segregated funds can provide market growth with security

“Segregated” or Guaranteed Investment Funds (GIFs) can give you the growth potential of investment funds with the security of insurance guarantees. • Guaranteed death benefit –  Your beneficiaries will receive the greater of market value or 75% or 100% of your net contributions tax free when you die, depending on which you choose.  Ideal forRead More…

 

Annuity “paycheque” key to happiness

You may have seen headlines such as “Lifetime Income Stream Key to Retirement Happiness”, and “Happiness in Retirement is a steady income”. Studies show that life annuities generating a retirement “paycheque” from an annuity can make retirees smile.  According to Towers Watson, people with annuitized income are happiest, compared to retirees with similar wealth andRead More…