Articles
When your family circle grows, there are financial implications. Whether it is due to the birth of a child or grandchild, the start of a common-law relationship, or celebrating a marriage, there may be opportunities and challenges that result.
In 2023, central banks across the globe instituted a series of interest rate hikes in an effort to curb inflation. Given its susceptibility to high interest rates, these measures had a negative impact on real estate as an asset class. Consequently, real estate investors in both private markets as well as the public markets largely through Real Estate Investment Trusts (REITs) have experienced meaningful drops in the market value of such assets, ranging from a decline of 30% to 50%. Many overleveraged entities turned into financial hardships that led to bankruptcy because of increasing mortgage expenses.
In October 2024, the Ontario Securities Commission (“OSC”) released a Consultation Paper 81-737 (the Proposal) for comment to enable retail investors access to illiquid long-term assets through a new type of prospectus-qualified investment fund.
If there’s a new child or grandchild in your family, as a Canadian MoneySaver reader, you’re likely already thinking about how to save for their future education. Many Canadians are familiar with the Registered Education Savings Plan (RESP), but there are a few key opportunities you might be missing out on that could make a big impact.
Spring is all about being refreshed, renewed, and new growth. It also offers a good time to look at your portfolio to make sure it is still doing what you intend it to do, particularly as the markets have been bumpy over the last few months. In many cases, the growth story in many individual stocks may have changed over the last few months. That industrial name exposed to tariff risks might not be quite the growth stock you thought it was. Or maybe, that gold mine has had such a significant run that it is time to rebalance a little. Of course, it is not always easy to find those compelling growth names that will help drive your portfolio to the next level. We wanted to look at three metrics that can help an investor cut through the noise, and hopefully, make it easier to find that next great growth stock.
Spring is here and Canadians are getting their gardens ready. At my house, our daughter has a fan blowing on her indoor plants, which she says she will move outdoors on the Victoria Day weekend once the overnight temperature is consistently above 10 degrees Celsius. The plants, she says, will grow tall and are used for making a substance used in rope and industrial textiles. She’s only allowed to grow four of them, she said. Hmm.
I’m a 32-year-old single woman, about to get married, and I plan to start investing my savings of $100,000 in the equity market. My fiancé and I will have separate finances. My time horizon for investing is very long at this point, so I know I don’t need to concern myself overly with market volatility. On the other hand, you have probably seen many “rookie” mistakes over the years—what do you suggest I avoid doing?
The most frequent question I get from my retired or soon-to-be-retired clients is whether they should convert their Registered Retirement Savings Plan (RRSP) into an annuity or a Registered Retirement Income Fund (RRIF). With Canadians living longer than ever before they want to ensure that their retirement savings last a lifetime. Thus, converting an RRSP into a sustainable income stream becomes a crucial decision.
The Jetsons, a 1960s cartoon featured “Rosie the Robot” who worked as a household maid who refused to be taken for granted, “I may be made of metal, but I don’t have sawdust for brains!” Today’s robots have CPUs for brains and can do a lot more than sweep floors. Artificial Intelligence (AI) and machine learning are dramatically changing healthcare, and not a moment too soon.