Contents: Taxes on failed investments? dying performance investing, 35-to45 year old most indebted, cost of delayed home purchase, Nortel pensioners condemn bondholder ‘deal’, pension reform discussion shifts to target benefit (TB), CARP on 2015 budget: abolish mandatory RRIF withdrawals and expand CPP, US middle class: no savings and no safety-net, UK pension reform: 50p government […]

Contents: Affordability of early retirement, insurance co victimizes annuitant, active funds flopped again, advisors need to justify fees, loving your mortgage, check brokerage statements for unauthorized transactions, Ontario’s stealth tax increases via tax bracket creep, US home price increases slow, Florida home prices still 36% below peak, Australia proposes next phase of pension reform, Ontario […]

Contents: Annuity vs. RRIF- can they even be compared? managing family portfolio after you’re gone, seniors natural fraud targets, how is your portfolio managed? work till 70 if you have little savings, Canada warned of coming US-style housing crash? Nortel bondholders to get $1B extra interest-final nail in Canadian pensioners’ coffin? UK drops mandatory annuitization […]

Contents: Clements: my index fund portfolio, Capital Market Expectations and its impact on portfolios, IRS offers amnesty to Canadians required to file U.S. returns, retirement planning, Toronto real estate continues firing on all cylinders, longevity insurance in 401(k)s, New Brunswick public employees sue province for pension changes, states looking to up employees pre-tax retirement plan […]

Contents: Estate planning, portfolio rebalancing, Canadian investors are losers, mandatory RRIF rules, robo-advisers in Canada, Florida snowbirds’ property tax alert, longevity insurance option added to 401(k)s! CPP based Ontario pension plan high cost- but doesn’t have to be, PBGC warns on pooled pension plans, EPI better reflects everyday inflation than CPI, volunteers needed for UK […]

Contents: International bonds: no thanks, Bogle on non-US investor allocation: 25% home country, 50% US and 25% other non-US, annuities have higher ‘returns’ than bonds? robo-advisers include trusts and tax-loss selling, U.S. homes: prices (Apr) up 10.8% YoY while sales (May) up 4.9% MoM, 2nd homes  concentration ups prices, Social Security decision complicated, Nortel bankruptcy […]

Contents: Ready for retirement or not?brokers fight fiduciary care, international diversification free, market timing hard, end-of-life care covered by estate allocation, lower U.S. house sales in 2014? the new American dream? UK house prices accelerate, first time buyers squeezed in UK/Canada, CPP investment risk rising, Ontario pension reform on the way, 401(k) to IRA conversion […]

Contents: Advisor vs. adviser and advice, self-delusions, negative rates: lower returns and deflation? withdrawal strategies, Canada home prices higher but slowing? minimizing tax when transferring assets, 401(k) automation, pension plan funding levels, actuarial insanity, longevity insurance, smart-beta? un-real assets? ETF ratings: G/PG/PG13/R/NC, “decline of moral capital”, technology driven discontinuities- not necessarily for the good. Personal […]

Contents: Can I afford to retire? no free-lunch with dividend funds, new LTCI options? reverse mortgage use up in Canada, pay down mortgage vs. retirement saving, rent/buy/upsize/downsize, PBC: condo sales slump, fixing the 401(k), reduce mandatory RRIF distributions, Calof: Nortelers have right to remaining assets, UK-PPF pension insurance premiums adjust for default risk, Europe moves […]