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  With student debt paid off, how should money be redirected for investing?
ROB CARRICK  

Thursday, September 20, 2018

If you're looking for money to start investing, try paying off a debt.A 34-year-old reader plans to pay off his student debt later this year and he's wondering how to get started as an investor. ''As I shift from debt repayments to investing, my question is what my portfolio allocation should be.''
FULL STORY


Longevity insurance could help fund long retirements
IAN McGUGAN  

Wednesday, September 19, 2018

Ottawa could radically simplify Canadian retirement planning with a few simple, low-cost changes to the tax code. The potential winners would include everyone who worries about running out of money in their old age.
FULL STORY


Report highlights seniors' rising debt levels
ROB CARRICK  

Wednesday, September 19, 2018

Our willingness to keep running up debt is starting to fade, finally.The most recent evidence came last Wednesday in a report by the credit-monitoring firm TransUnion that shows the average non-mortgage debt level per consumer rose 3.9 per cent to $29,648 in the second quarter of this year compared with 4.1 per cent in the same period last year.
FULL STORY


How big should your retirement portfolio be at different ages?
MARY GOODERHAM  

Wednesday, September 19, 2018

It's a question that financial experts are often asked: How much money should I have saved at my age?The answer is eminently variable based on a person's age, situation and needs. But some net-worth goals at ages 30, 40, 50, 60 and 70 can help you to focus on what you might require to live comfortably, now and in the future.
FULL STORY


Are your children away at school properly insured?
ROB CARRICK  

Tuesday, September 18, 2018

This is a delicate time to dump extra expenses on students living away from home and their parents, but $200 or so for tenant insurance could be a smart purchase.
FULL STORY


Ottawa's poverty-fighting plan discounts the needs of low-income seniors
ANDREW JACKSON  

Tuesday, September 18, 2018

Adjunct research professor in the Institute of Political Economy at Carleton University and senior policy adviser to the Broadbent InstituteThe Poverty Reduction Strategy announced by the federal government last month proposes that a Canadian poverty line be set for the first time and enshrined in legislation.
FULL STORY


Utility stock challenge: Fortis vs. Emera
ROB CARRICK  

Saturday, September 15, 2018

A rising-rate world is a desert for utility stocks, but let's say you take the long view and value their consistent dividend growth.Two stalwarts in the utility sector are Emera Inc. (EMA-T) and Fortis Corp. (FTS-T) - which one looks like the better investment right now?
FULL STORY


A potential early retirement cash-flow gap
DIANNE MALEY  

Saturday, September 15, 2018

Like so many civil servants who contact Financial Facelift, Herbert wants to retire from the work force as early as he possibly can, perhaps because he can. When he does, he will get a pension of about $32,680 a year, fully indexed to inflation.
FULL STORY


Dealing a one-two punch to consumer protection
ROB CARRICK  

Friday, September 14, 2018

How comforting it must be for Bay Street to see government standing up for the overdog in matters related to consumer protection.Two recent developments highlight the power banks, brokers and mutual fund companies have to shape the regulations that protect consumers from financial firms. One is the surprise announcement on Thursday that the Ontario government does not agree with modest changes to mutual fund commissions that were proposed by provincial securities regulators.
FULL STORY


Ontario opposes proposed ban on deferred fees for funds
CLARE O'HARA, TIM KILADZE  

Friday, September 14, 2018

Ontario's new government has come out against a proposal to ban the use of an early-withdrawal fee on mutual funds that is often hidden from consumers, a decision that drew backlash from within the industry and throws a long-standing review of fund fees into turmoil.
FULL STORY


Diversify into U.S. market with an S&P 500-linked ETF
ROB CARRICK  

Thursday, September 13, 2018

After a spectacular nine-year run, it has never seemed easier to make money in U.S. stocks.So I was surprised to hear from a reader recently asking ''for an easy way to diversify into the U.S.
FULL STORY


Retirement-saving method now sees us work longer, run out of money sooner
ROB CARRICK  

Wednesday, September 12, 2018

An epic decade of financial disruption has made it quantifiably harder to save enough for a secure retirement.Consider the Rule of $20, which says that every $20 you have in personal retirement savings will on average generate $1 of inflation-adjusted, pretax retirement income annually. Developed by global asset management firm Russell Investments a little more than nine years ago, it applied if you retired at the age of 60 and projected that your money would last about 30 years.
FULL STORY


TD to revamp discount brokerage firm
CLARE O'HARA  

Wednesday, September 12, 2018

Toronto-Dominion Bank is partnering with a U.S. financial technology startup to revamp its online trading platform for retail investors as well as launch a roboadvisory service that will house its own proprietary exchangetraded funds.
FULL STORY


You can probably spend more in retirement
FREDERICK VETTESE  

Wednesday, September 12, 2018

OPINION PERSONAL FINANCE Actuary and author of Retirement Income for Life: Getting More without Saving MoreHow do you know if you're spending your life savings too quickly after retirement? The short answer is you probably don't. Most retirees are in the dark, which is why they tend to be so cautious in their spending habits.
FULL STORY


New survey underscores the fears and misconceptions in investing
IAN McGUGAN  

Tuesday, September 11, 2018

There's a good chance that a significant portion of what you think you know about investing is wrong.At least that's my conclusion after reading a new survey of 1,013 Americans. While the results may not apply perfectly to the Canadian landscape, they do point to the knowledge gap that exists among many financial consumers - a gap that is likely to be just as large on this side of the border.
FULL STORY


How to build a better ladder: Comparing GICs and corporate bonds
ROB CARRICK  

Saturday, September 08, 2018

Rising interest rates have been great for the street cred of the humble GIC.Rising rates mean higher yields on guaranteed investment certificates - that's one factor.Another is the negative effect that rising rates have on bond prices. Fearing that the bonds in their portfolio will dramatically lose value as rates move higher, some investors have been using GICs as a replacement.
FULL STORY


Planning for an early retirement
DIANNE MALEY  

Saturday, September 08, 2018

Miranda has been focused on paying off the mortgage on her Toronto condo by her 48th birthday next spring.Once that's done, she will turn her attention to saving for the day a few years hence when she can retire early from the work force at the age of 53. Her goal is to have $40,000 a year after tax to spend.
FULL STORY


Attention investors who want to avoid foreign exchange fees in their DIY accounts
ROB CARRICK  

Saturday, September 08, 2018

One of Canada's better online brokers has filled a big hole in its product lineup.Scotia iTrade has finally introduced U.S.-dollar registered accounts, joining almost every other play in the online brokerage business. This means that investors who sell U.S.
FULL STORY


Low-cost investing smackdown: Balanced ETFs vs. robo-advisers
ROB CARRICK  

Saturday, September 08, 2018

A welcome new development in exchange-traded funds raises questions about the relevance of robo-advisers for people who want a simple, low-cost ETF portfolio.Balanced ETFs give you a fully diversified portfolio in a single purchase. Your investing future with one of these products is simply to keep buying more of the fund you've chosen because the fund managers handle diversification and rebalancing for you.
FULL STORY


Our most irrational financial habit? Cheaping out on retirement saving
ROB CARRICK  

Friday, September 07, 2018

Dan Ariely's job is to figure out why you won't pay attention to perfectly good financial advice such as spending less and saving more.Mr. Ariely is a professor of psychology and behavioural economics at Duke University in North Carolina and a co-founder of Toronto-based BEworks, a management consulting firm that uses behavioural science in its work. His mission: Find out why people make bad decisions about money and figure out ways to get a better outcome. I recently spoke to Mr. Ariely to find out why people keep making the same money mistakes, despite readily available advice from the media and financial-literacy initiatives.
FULL STORY


Trade tensions, tax changes slow Canadian deal making in U.S.
TIM SHUFELT, JEFFREY JONES  

Friday, September 07, 2018

Corporate Canada has cut back substantially on its cross-border shopping habit as the country's political and economic relationship with the United States has sunk to its lowest point in recent memory.
FULL STORY


For a happier new you, pay down your debt
ROB CARRICK  

Wednesday, September 05, 2018

Like an antibiotics-resistant germ, household debt is holding up alarmingly well as the economy improves.A new survey shows the economic growth of the past year has helped ease some of the financial challenges faced by Canadian households. Fewer people are spending their entire paycheques and fewer think they would financially implode if they faced an unexpected emergency expense.
FULL STORY


Great savers, not so great at investing
DIANNE MALEY  

Saturday, September 01, 2018

Logan and Tina are clear about their goal: to retire in four years with more money in their pockets than they are spending now. He is 63, she is 54.
FULL STORY


Overprotective parenting can hurt an RESP
ROB CARRICK  

Friday, August 31, 2018

If you're the nervous type as a parent, take a look at how you're investing your child's registered education savings plan.Just as they nurture their children, there's an impulse among some parents to coddle their kids' RESPs by investing conservatively.
FULL STORY


The best banks for millennials who are still in school, or recently graduated
ROB CARRICK  

Friday, August 31, 2018

For all the talk about their quirkiness, the young adults known as millennials make surprisingly conformist choices about where to bank.A survey of banking habits by Ratehub.ca suggests 45 per cent of millennials used recommendations from family and friends as the main input for deciding on where to bank. That's pretty much double the rate for Gen Xers, and vastly higher than the 8 per cent of baby boomers who said they chose a bank this way.
FULL STORY

 

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