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Home Financial Health Blog Archive for category "Invest for growth and income" (Page 2)

Invest for growth and income

What is your retirement number?

Here is a neat and easy calculator to determine the amount of money you should have saved by the time you retire in order to maintain your current standard of living, and how much you should have saved by now to ensure that you are on track:  Wealth Target Calculator No need to do intenseRead More…

 

Invest in commercial real estate

The Canada Life Real Estate Fund is a segregated fund that invests directly in a diverse selection of income-producing Canadian real estate properties. The fund is made up of high-quality commercial and multi-family residential properties, diversified by type and located in Canada’s major cities. Link to the information page on the Canada Life Real EstateRead More…

 

Capturing the Upside, Avoiding the Downside of Performance

A steady investment return of 7% per year generates better long-term results than a 7% annual return with greater volatility, all else being equal.  Newport Private Wealth’s investment approach is designed entirely around the goal of delivering a steady rate of return with lower risk. The slide below shows that the Newport Balanced Fund hasRead More…

 

The Life Insurance Retirement Plan (LIRP)

The objective of a Life Insurance Retirement Plan (LIRP) is to provide investors supplemental retirement income via a life insurance policy featuring market appreciation, re-invested policy dividends, tax-deferred accumulation, and a life insurance death benefit.  Permanent participating whole life insurance is often used as a vehicle for a Life Insurance Retirement Plan. Designed to takeRead More…

 

Individual Pension Plans (IPP)

An Individual Pension Plan (IPP) is a registered pension plan (RPP) with defined benefits designed for an individual. An IPP is suitable for business owners age 45 and up with T4 earnings of at least $75,000 for at minimum the last two years, who own at least 10% of their company. Advantages of an IPPRead More…

 

Conservative Investors: Index-linked GICs rarely deliver what they promise

Financial institutions continue to create and market products like index-linked GICs that harvest many fees and commissions, but defy investment logic. Index-linked guaranteed income certificates (GICs) promise to safeguard a portion of investors’ portfolios. In volatile markets like the ones we’ve been experiencing, these products may seem like an appealing place to put some ofRead More…

 

A Guide to Retirement Planning

The Financial Services Commission of Ontario (FSCO) has created “A Guide to Retirement Planning”, an easy-to-understand video series aimed at helping Ontarians prepare for their retirement. This series provides an overview of the three pillars of Canadian retirement income system as well as tips and resources you can use to make informed decisions about yourRead More…

 

Convertible Bonds

The stability of a bond, the upside of a stock A convertible bond or debenture is a type of bond that the holder can convert into a specified number of shares of common stock in the issuing company. It is a hybrid security with debt- and equity-like features. The investor receives the potential upside ofRead More…

 

Freedom to choose …the journey to financial independence

You’ve likely seen some of the retirement clichés over the years – sailing a yacht into the sunset; climbing the tallest mountains around the world; swinging like a pro in plaid on the golf course. But, are these scenarios really for you? Let’s talk about the lifestyle you really want Creating the lifestyle you reallyRead More…

 

Conservative investors: Fixed Income Portfolio

Steady return, no equities The accepted wisdom is that investors need a portfolio of stocks, bonds, and cash to get the maximum long-term return from their investments. However, many people are uncomfortable with the stock market because they don’t have the time, interest or knowledge to make informed decisions, or because they are just plainRead More…