Articles

So, you've got your eye on a stock. Maybe it's a company you use every day, one you've seen in the news, or a tip you picked up from a friend. Before you hit that “buy” button, take a breath. Investing isn’t gambling—it’s a thoughtful process. But that doesn’t mean it needs to be complicated.

When considering your next stock purchase, think about The ABCs of Investing: a simple, practical framework for making smarter investment decisions.

Q: I understand it is impossible to predict, but do you feel itís wiser holding cash at these all-time highs? Should I wait for a drop and pounce? Or buy at these numbers as all-time highs indicate excellent businesses, assuming a long-term hold.

I am about 25% cash. Is that too much in this market?

While Canadians are notoriously polite and inclined to defer to experts, that deference can come at a cost to your financial future. In this article, I will provide you with some key questions you should ask your financial advisor, and a basic overview of the sorts of answers you should be looking for. Nothing should be taken as gospel, and answers don't need to be verbatim. However, they should demonstrate a comprehension of the situation, a purposeful rationale, and, if possible, be supported by empirical evidence.

I ran into an old high school buddy the other day over a cup of coffee. His name is Alex. We hadn’t seen each other in years, and catching up was like opening a time capsule. Alex’s story is pretty interesting—he’s a successful business owner, passionate about what he does, and he’s been through a lot of life changes. Now, he’s on his second marriage, which means he has a blended family with kids from his first marriage and his new spouse.

The Iran-Israel modern conflict is a geopolitical story that has lasted for decades. The conflict was largely due to ideological opposition between the two countries and competition for regional dominance. While Israel has sent missiles into Iran in the past, Iran has also retaliated. Both countries claim it is strictly for defence. Israel pursues a free-market economy and has the United States as its long-term ally.

Your financial life is serious business. When it comes to achieving major long-term financial goals, the stakes are high. Now imagine if you were responsible for overseeing the Canada Pension Plan Investment Board (CPP InvestmentsTM) and the Fund’s over $700 billion worth of net assets. Surely, it would be invaluable for MoneySavers of all ages—but especially for young adults—to learn how the professionals at the helm of CPP Investments, the independent Crown Corporation tasked with ensuring that the CPP is financially sustainable, manage the Fund for more than 22 million Canadians, six million of whom received CPP benefits last year.

As the seasons change and routines reset, September offers an ideal time to revisit the fundamentals, particularly when it comes to your finances. Whether you are just starting your financial journey, approaching retirement, or somewhere in between, one of the most important decisions you will face is how to manage your money effectively. Should you hire a financial advisor, engage a financial planner, or take the do-it-yourself (DIY) route? Each option serves different needs and comes with distinct advantages and challenges. This article unpacks the roles of financial advisors and planners, explores the DIY approach, and provides practical guidance to help you choose the path best suited to your unique financial situation.

More than 1.2 million Canadian households will face mortgage renewals this year, and many of them will be renewing at a higher rate than they’re paying now. Consumer debt in Canada also hit a historic high in February 2025, driven by more Canadians carrying debt than before, with the list of in-debt Canadians expanding to include younger Canadians (Gen Z). Credit card debt also hit a new high in Canada this year. Needless to say, debt is impacting many Canadians today.

I read an interesting article in the New York Times recently about the possibility of a “market melt-up”. The article quotes Edward Yardeni, the independent Wall Street economist and strategist: “At the moment, he said, the market is “sort of, kind of, in a melt-up.” Referring to the sharp stock downturn earlier this year, he added, “Just look at the way this correction has been reversed, it’s been a melt-up.” Stock valuations are “pretty rich,” he said, and people in the markets are “back to believing” that artificial intelligence is “a miracle technology.”