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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.”

How a company communicates during a crisis offers investors a rare window into its leadership quality and organizational culture. Media narratives during corporate crises can drive dramatic stock price movements, but beneath the Public Relations (PR) spin lies valuable intelligence for the discerning investor. By understanding how to evaluate crisis communications, investors can distinguish between temporary setbacks and fundamental business problems, potentially identifying both risks and opportunities ahead of the market.

The conventional wisdom in the investing industry divides investors into two camps: growth and value investors. Growth investors are the ones who seek high-growth companies that are still early in their growth journey, expecting that these companies can continue to reinvest and compound capital on behalf of shareholders for many years. These young enterprises are optimized for market share and growth rather than profitability. For instance, Walmart (WMT), Home Depot (HD) or Costco (COST) in their early days reinvested most of their profits into opening new stores. In other words, these businesses pursued long-term growth at the expense of current profitability. Shrewd growth investors understand this dynamic and are willing to sacrifice current profitability for an opportunity for a greater amount of profitability down the road.

We’ve all heard that successful investing happens when you “buy low and sell high”, but I encourage you to challenge that approach and implement an alternate investment strategy. Here’s why:

Maybe the stock market isn’t the first thing on your mind as you soak up the sun this summer, but that doesn’t mean opportunities aren’t out there. If you're looking for something solid and steady with a history of performance, Toromont Industries Ltd. (TIH) might be worth a closer look. Known for its dominance in heavy equipment and industrial solutions, especially as a leading Caterpillar heavy equipment dealer in Canada, TIH combines operational resilience with long-term growth potential. Read on to learn more:

For prior parts of the “Big Winner Series”, we discussed common mistakes to avoid when looking for big winners and then the primary factors that make up a potential big winner. As mentioned in the previous articles, finding big winners is not easy, and the hardest part is the act of holding on to them long enough to let them become a big winner in your portfolio. In this article, we are going to look at methods to help an investor hold onto a big winner once they have found one.