January 31, 2023

2022, Year in Review

“The typical Balanced Investor experienced a turbulent ride in 2022. Inflation, central bank rate hikes, oil prices, supply chain disruptions and the Russia-Ukraine conflict cast a long shadow on markets, causing extreme volatility and dominating financial headlines 24/7…”

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KyraComment
January 27, 2023

Should you delay your OAS pension?

Last summer, Old Age Security (OAS) benefits permanently increased for the first time in almost 50 years. The payment increase is 10% and applies to seniors aged 75 and older. This increase gets a further boost when seniors delay starting their OAS benefits..."

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KyraComment
January 23, 2023

Meeting multiple goals with a TFSA

"Ever since the Tax-Free Savings Account (TFSA) was launched in 2009, many Canadians have used it as a general savings account. However, to make the most of a TFSA, it should be targeted to reach a specific financial goal..."

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KyraComment
January 19, 2023

Managing a windfall, large or small

"It’s a challenge no one minds facing: determining what to do if a lump sum comes your way. With a smaller windfall, the decision often focuses exclusively on how to use the money. A larger windfall brings larger issues into play..."

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KyraComment
January 11, 2023

Ensure family harmony when planning your estate

“When you leave an inheritance to your loved ones, you intend to give each person some welcome help in meeting their financial and life goals. No one wants an inheritance to cause discord among the beneficiaries…”

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Carly HoffmanComment
January 4, 2023

Should market conditions affect how you invest?

“It’s only human nature to want to take maximum advantage of a bull market and resist investing in a bear market. But our natural inclinations aren’t always the wisest investment choices…”

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Carly HoffmanComment
December 22, 2022

What to do when retirement approaches

"When retirement arrives, you want to enjoy this new chapter in your life – not start off with a multitude of financial decisions and to-dos. You can have comfort instead of chores by taking care of a few financial matters as retirement is approaching..."

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Carly HoffmanComment
December 19, 2022

Buy low, sell high – the challenges and opportunities

Buy low, sell high is one of the most famous mantras in investing. It’s the investment ideal, if you could do it regularly and successfully. The trouble is, if you aim to buy low and sell high by trying to time the market, you’ll face conditions that are unpredictable...

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Carly HoffmanComment
December 1, 2022

Short-term pain, Long-term gain

Investors have re-priced terminal Fed Funds rates throughout the year, from as low as 2% to most recently 5%. The current CPI details reveal that prices of services are finally cooling while goods are under increasing pressure...

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Carly HoffmanComment
November 24, 2022

What are some people unsatisfied with their investing experience?

Oftentimes, we have heard reports of people getting excited about buying stocks when the market is high – and then selling them quickly when the market it is low, out of fear…

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Carly HoffmanComment