Contents: CFA Institute’s Statement of Investor Rights, pay accountant for tax planning and do your own taxes, employees make different health insurance choices when spending own money, Canada housing deflating: sales off 16% YoY and house price index fell six consecutive months MoM, investors responsible for downtown Vancouver areas 25% vacant, Florida housing up? corporate […]
Contents: Ditching your ‘advisor’, TFSA Americans’ tax risk, insanity of US hospital bills, trailer commissions, Canada: house sales down will lead to flat/lower prices but multi-unit construction up perhaps due to effort to deflate China market? Florida “ground zero” for foreclosure crisis, Florida backs down on international driver permits but must also repeal the discriminatory […]
Contents: The 4% rule-NOT, retirement risks, “just like CDs”-NOT, home equity funded retirement, adviser conflict of interest with own firm products, fixed income asset class expands in retirement portfolio, Canadian homes 20% overvalued? Toronto home prices stable while sales off 15%, DC a lottery but longevity insurance can help, CPP survivor benefit skimpy, retire later, […]
Contents: Retirees and low yields, RRSP contribution vs. deduction, female investing is about goals not returns, don’t repeat 2008 mistakes, annuities? adviser compensation, lifecycle event questions, US home prices up but Shiller still sees risk, CMHC wants foreclosure info hidden, economic signals of Canada’s weakening housing market? pension gap, Air Canada pension relief? Nortel US […]
Contents: Retirement scenarios, tax preparers, value investing requires patience, CCRC (Continuing Care Retirement Communities) vs. LTCI, risk based asset allocation, winner’s game, RRSP withdrawal strategy, RBC devours Ally and replace 1.8% with 1.2%, 5th monthly decline in Canada’s house index- annually still up 2.7%, CIBC endorses a voluntary expanded-CPP but others call it fantasy, communication/perspective […]
Contents: Better diversification? Powers of Attorney, why bother with Canadian mutual funds? ETFs to replace mutual funds, US estate tax for Canadians, Shiller: home not an investment, Florida #1 in foreclosures, US vulture fund bondholders of Nortel want quick trial in US, Ottawa inaction on BIA pension priority responsible for Canadian pensioner victimization, impossible for […]
Contents: Yes to statutory fiduciary requirement for advisers, no TIPS for inflation protection, new Vanguard international ETF, growing ETF proliferation and complexity, fixed SPIA and stocks comprise retirement income efficient frontier, US real estate optimism might be premature, small town benefits for Canadian retirees, Toronto house prices up YoY but…, Indalex pensioners struck down by […]
In a nutshell A fiduciary duty requires the fiduciary to place the interests of the client ahead of one’s own. Consider fiduciary in the context of the ancient wisdom of the Bible which very sensibly suggests not placing an obstacle before the blind. In the financial adviser context, not placing an obstacle before the blind […]
Contents: Judicious disputing of credit card charge a powerful tool, bond risks, RRSPs about tax brackets, mutual fund considerations- but why bother? dual registrants: fiduciary or not? US home prices up YoY but down MoM due to seasonal effect, Canada’s bankruptcy laws flawed but lawyers happy, shared risk pension plans, expanded CPP: better to proceed […]
Contents: Mass market advice, target-date funds suitable default? structured notes warning, Canada home prices decline, Toronto sales off 50%, Vancouver second least affordable in the world, Palm Beach County and Florida home sales and prices up, Ontario approves Nortel pensioners’ move to LIFs, Nortel creditors mediation-failed, required assets for retirement income stream, stagnant middle class? […]
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