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  How delaying CPP can help leave less money on the table
FREDERICK VETTESE  

Wednesday, April 18, 2018

Partner at Morneau Shepell. He is also the author of Retirement Income for Life: Getting More without Saving More.Most retirees say their biggest fear is outliving their money. One wouldn't know it, though, from the way they convert their savings into income. Retirees are loath to take advantage of certain strategies that would guarantee substantial income for life. In particular, few people like the idea of buying an annuity and fewer still wait until 70 to begin collecting their Canada Pension Plan benefits.
FULL STORY


Interest rate vise may be closing on home equity lines of credit
ROB CARRICK  

Wednesday, April 18, 2018

There are two separate interest rate threats facing the people who have collectively borrowed about $207-billion from the big banks using a home equity line of credit.The obvious risk is that the Bank of Canada will continue a process begun last summer of raising its benchmark overnight lending rate.
FULL STORY


CPPIB appoints new infrastructure head
JACQUELINE NELSON  

Tuesday, April 17, 2018

Canada Pension Plan Investment Board has appointed a new head of its $25-billion infrastructure portfolio, the latest in a wave of changes in leadership positions across the country's major pension funds.
FULL STORY


Big move puts focus on couple's portfolio mix
DIANNE MALEY  

Saturday, April 14, 2018

As their 50th birthdays approach, Bill and Hannah are planning to leave behind their big-earning and bigspending oil patch lifestyle and move back to Ontario to help care for ailing relatives.
FULL STORY


10 things the taxman may question
TIM CESTNICK  

Saturday, April 14, 2018

Have you heard the story about the interesting tax auditor? No, me neither.Interesting or not, tax auditors are in abundance these days - and you may run into one. The following is a list of the top 10 items that the taxman is likely to question.
FULL STORY


Should I sell my fund and take the tax hit?
JOHN HEINZL  

Saturday, April 14, 2018

I have invested with an online brokerage for the past 20 years and have been averaging an annual return of about 8 per cent. I also have about $270,000 with PHandN in its Dividend Income Fund, which has been losing money lately. I want to sell the fund and transfer the proceeds to my selfdirected account to invest as my returns have been better than PHandN's. However, that will trigger capital gains of about $120,000.
FULL STORY


Is this fund fee fracas a case of investor abuse or obtuse investors?
ROB CARRICK  

Friday, April 13, 2018

If you can't research a simple mutual fund, you're not cut out to be a do-it-yourself investor.So enough with the outrage over online brokerage firms selling mutual funds with embedded fees for investment advice. In what may be a first, I'm not jumping to the defence of investors on this one.
FULL STORY


Why dividend investors should think twice before ditching their mutual funds
ROB CARRICK  

Wednesday, April 11, 2018

Your best chance of owning an ETF-beating mutual fund is in the Canadian dividend and income category.A scorecard comparing actively managed mutual funds against their benchmark stock indexes shows a marked pattern of underperformance for mutual funds, except among Canadian dividend funds. Almost 58 per cent of dividend and income equity funds beat the SandP/TSX Dividend Aristocrats Index in 2017, by far the best showing of any fund category.
FULL STORY


Don't get penalized for selling your home
ROB CARRICK  

Wednesday, April 11, 2018

Canada Revenue Agency is getting tough with people who fail to comply with new rules requiring the routine sale of a home to be reported, even when there's zero tax owing.
FULL STORY


Even young people should be saving this much for retirement
IAN McGUGAN  

Monday, April 09, 2018

Investors spend endless hours pondering things they can't control, such as stock prices and the economy. They spend far less time thinking about the one thing they can control - the amount of money they save.
FULL STORY


ETF Buyer's Guide: Canadian dividend ETFs
ROB CARRICK  

Saturday, April 07, 2018

Canadian dividend ETFs have gone from darlings to dead weight in the past 12 months.The latest installment of the 2018 Globe and Mail ETF Buyer's Guide documents the bleak returns from exchange-traded funds holding dividend-paying stocks for the year to March 31.
FULL STORY


Getting a handle on the big unknown
DIANNE MALEY  

Saturday, April 07, 2018

Despite their substantial savings, Rolly and Dawn wonder whether the income from their investments, plus government benefits, will be enough to sustain their lifestyle for the next 30 years. He is 60 and recently retired, she is 58 and working part time for $25,000 a year. Neither has a company pension plan.
FULL STORY


Forget falling stocks - there are other financial risks you should be worried about
ROB CARRICK  

Thursday, April 05, 2018

You have more important financial risks to worry about than falling stock markets.It's easy to get torqued these days about stocks. North American indexes were well into the red as of early April and the losses on a few particular days have been bad enough to rate mention on radio and TV news. Veterans of the most recent market crash know stocks only make the general news when they're dropping dramatically.
FULL STORY


Website's method of offering second opinions may just pay off
ROB CARRICK  

Wednesday, April 04, 2018

No one has yet been able to make a business out of offering investors second opinions on their portfolios.The latest attempt to provide second opinions may just be the greatest: a website called Wealthscope, where investors and advisers can put their existing portfolios through a brisk, thorough workout, or test their own ideas for portfolio building. A basicservice tier is currently available for free. More comprehensive services will soon be offered to advisers for a fee.
FULL STORY


The all-banks stock portfolio (probably) isn't for you
ROB CARRICK  

Tuesday, April 03, 2018

Admit it, you've wondered whether you could own nothing but bank stocks and do great as an investor. The answer: Probably, but don't try it.Readers have asked this question many times over the years, most recently in the past week.
FULL STORY


So many goals, so many questions
DIANNE MALEY  

Saturday, March 31, 2018

Lauren is an impressive saver and investor. Only 22, she has $39,005 of mostly stock in her tax-free savings account, $37,134 of investments in her nonregistered accounts and $10,000 in the bank. Her goals are to buy a place of her own in pricey Toronto ($500,000), buy a car ($30,000) and tuck away 15 per cent of her earnings each year for her longterm goal of retiring at 55.
FULL STORY


Saving new home owners from sudden budget-busting expenses
ROB CARRICK  

Friday, March 30, 2018

The harsh economics of home buying today demand that you protect yourself as much as possible from the surprise expenses ahead.Title insurance costs a few hundred dollars on average, but it can save you thousands if you find out years from now that a structure on your property is partly on your neighbour's property, if the previous owners failed to pay their property tax or water bills in full, if fraudsters gain title to your house and more. Most home buyers today get title insurance for themselves when purchasing a home, but there are still holdouts. There may also be owners who paid for this coverage, but forgot about it.
FULL STORY


How not to get ripped off on GIC rates at banks
ROB CARRICK  

Friday, March 30, 2018

It's a basic rule of investing that do-it-yourselfers get a better deal than people who buy through an adviser or sales person.Still, it's striking to see how people buying guaranteed investment certificates get abused when they do their transaction in a bank branch. Expect rates that are dramatically lower than the same bank is offering to clients who buy GICs through the inhouse online brokerage.
FULL STORY


Yes, variable-rate mortgages can still be cheaper
ROB CARRICK  

Wednesday, March 28, 2018

The safe and sound choice in today's mortgage market is to lock down a rate for five years and let borrowing costs do what they may.That's how you should proceed if you're a nervous firsttime home buyer or just holding things together financially as you renew. Everyone else, consider the variable-rate option. While they leave you exposed to rising interest rates ahead, variablerate mortgages can be cheaper in two important ways.
FULL STORY


These bonds can reward taking on extra risk
ROB CARRICK  

Tuesday, March 27, 2018

Look to the corporate bond market if you're wondering about the rewards you get from taking on extra risk.A well-diversified short-term corporate bond ETF would get you a forward-looking yield of about 2.5 per cent these days. If you check out individual corporate bonds that just make the cut for being considered investmentgrade, you'll find yields from a variety of issuers of between 3.5 per cent and 3.9 per cent. Here are some examples found the week of March 19-23 at one particular online brokerage firm.
FULL STORY


Variable winds cloud early-retirement forecast
DIANNE MALEY  

Saturday, March 24, 2018

Betty and Bob are in their early 30s with good jobs, a house in small-town Ontario and a baby. They plan to have a second child as well. Betty makes $80,000 a year, Bob $43,000, plus a bonus tied to sales.
FULL STORY


Diversify globally to limit domestic risk
ROB CARRICK  

Saturday, March 24, 2018

Stick to Canadian companies as an investor and you miss out on what's happening in 97 per cent of the global stock market.Adding U.S. stocks to your Canadian holdings brings you up to 55 per cent of the global market. To access opportunities in the rest of the world, try an exchange-traded fund covering international markets.
FULL STORY


Four ways to best use your tax refund
ROB CARRICK  

Friday, March 23, 2018

The sooner you file your taxes, the faster you can put your refund to work in capitalizing on a number of opportunities offered up by financial market events in early 2018.
FULL STORY


Early RRSP withdrawals can bring advantages
JEFF BUCKSTEIN  

Wednesday, March 21, 2018

Under certain circumstances, those who take strategic early withdrawals from a registered retirement savings plan may find tax and other financial advantages, experts say.In the decade prior to the absolute deadline when 71-yearold Canadians must turn an RRSP into either a registered retirement income fund (RRIF) or an annuity, it may make sense to withdraw some RRSP funds, but the raids should be carefully executed.
FULL STORY


Vanguard's new balanced ETFs show there's a market for sensible investing
ROB CARRICK  

Wednesday, March 21, 2018

Some new exchange-traded funds that basically give you an entire diversified portfolio in a single purchase are showing you can be successful in the ETF business by selling nutrition as well as junk food.
FULL STORY

 

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