Six RRSP Traps to Avoid

Karey-Irwin   Karey Irwin, CFP
Vice President, Investment Funds

 

It’s that time of year again when many investors look at their portfolios and make their annual RRSP contributions. The variety of investment options can be stressful and confusing, causing some investors to make hasty decisions about their contributions.
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New Rules that Might Affect Your Investments in 2014

  Jon Palfrey, CFA
  Senior Vice President, Portfolio Manager

 

A new year raises a number of questions for investors. How will stock markets perform? When will interest rates go up? And what rules have changed that will affect assets or tax and other planning? The last question is particularly important, as legislative changes both in Canada and in other jurisdictions can easily be overlooked by investors, sometimes to their detriment. Read Full Article >

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Outlook for a Prosperous 2014

  Jim Gilliland, CFA
  President & CEO, Head of Fixed Income

 

The past year has been marked by record high stock-market performances and signs of cautious growth in some of the world’s economies. While this has been encouraging, investors in B.C. and elsewhere are wondering whether some of the momentum of 2013 will carry over into next year. Here are our thoughts: Read Full Article >

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Retirement Planning: Time to Rethink Old Formulas

  Jerry Koonar, CFA
  Vice President, Portfolio Manager

 

When it comes to investing, the traditional asset-allocation rule goes something like this: Start with 100. Subtract your age. That’s the percentage of your portfolio that should be invested in stocks. The balance should go into fixed-income investments. It’s time to rethink that formula in an era of low interest rates and increased life expectancy.

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Estate Planning: Is a Trust a Must?

  Jon Palfrey, CFA
  Senior Vice President, Portfolio Manager

 

Some recent high-profile divorce and estate cases among the ultra-rich, such as Vancouver’s Aquilini family or the Wal-Mart heirs in the U.S., could lead a person to believe that trusts are a powerful wealth-creating device exclusively for the high net-worth crowd.

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The Impact of Rising Interest Rates

  Jim Gilliland, CFA
  President & CEO, Head of Fixed Income

 

With the recent rise in interest rates, investors are becoming concerned about a number of things — in particular, the bond portion of their portfolios. That’s because bond prices have an inverse relationship to interest rates, they drop when interest rates rise.
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No One’s Exempt From the U.S. Tax Man

Brad Chapman, LLB
Manager of Legal/Compliance

September means back to school and work after summers spent at the beach and on sun-soaked vacations. Amid the ramp-up in activity, investors often use this time of year to review their portfolios, financial plans and other money matters. One task some of us may be overlooking, though, is whether we’re considered “U.S. Persons” by the American government, and if so, what proper financial planning and reporting is required.

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Keeping a Cool Head in Volatile Markets

  Karey Irwin, CFP
  Vice President, Investment Funds

 

Capital markets can be fairly quiet in the summer, when many investors go on vacation and take breaks from their portfolios. This hasn’t been the case this year, however, as equity markets around the globe saw volatility in June and July. Memories of the crash of 2008 persist today, leaving many investors with limited tolerance for risk. They may feel an urgent need to adjust their portfolios, but might lack a clear idea of how or why.

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Investing in Bonds in Today’s Market

  Michael Schaab, CFA
  Vice President, Portfolio Manager

 

  Thomas Holloway, CFA
  Fixed Income Analyst

 

Interest rates have been at historic lows for the past several years, in part due to the U.S. government’s bond-buying program designed to support the economy. Since U.S. Federal Reserve Chairman Ben Bernanke hinted in June that the Fed could soon end this support, there has been a selloff in bonds as investors anticipate higher rates.

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The Long Term Benefits of Active Investment Management

  Michael Job, CFA
  Investment Funds Advisor/Portfolio Management Associate

 

As a follow up to the piece we published last year titled, ETFs: Pros, Cons and Misconceptions, which compared ETFs to actively managed mutual funds we would like to highlight the article How Canadian equity funds compare to ETFs that was recently published in The Globe and Mail.

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