Hot Off the Web– November 15, 2010 Personal Finance and Investments In the Globe and Mail’s “Families come out ahead when they share tax liability” Tim Cestnick continues his previous week’s article with more ways to income split, such as: (1) gift of cash or securities (equivalent to disposition) to adult family members (other than […]
Hot Off the Web– November 8, 2010 Personal Finance and Investments In a Journal of Financial Planning interview “Retirement investing, withdrawals, and tax efficiency”William Reichenstein suggests ways to adding value with tax efficient withdrawals. Some of the suggested mechanism(aimed at U.S. based readers, but no doubt many aspects also applicable in the Canadian context) are: […]
Hot Off the Web– November 1, 2010 Personal Finance and Investments Eleanor Laise in the WSJ’s “New ways to create a gold-plated pension” discusses a move from a returns chasing approach toward liability-driven investing (LDI), whereby much like pensions are supposed to do (but don’t always do) assets […]
Hot Off the Web– October 25, 2010 Personal Finance and Investments In Tim Cestnick’s Globe and Mail article “Deducting mortgage interest takes a fortitude many lack”he explores the so called “Smith Manoeuvre” which “essentially involves slowly converting your non-deductible mortgage payments into deductible interest payments on a loan used to fund an investment portfolio” (even […]
Hot Off the Web– October 18, 2010 Personal Finance and Investments Christopher Condon discusses ETF originators’ competition in Bloomberg’s “Vanguard chips away at BlackRock (iShares), State Street in ETF price war”. After a late start in the ETF business, Vanguard is closing the asset gap with fees about half of those of BlackRock and other […]
Hot Off the Web– October 11, 2010 Personal Finance and Investments The WSJ’s Alex Tarquino writes in “The perils and pitfalls of ETF investing”that “while ETFs have helped keep many investors in the market, the more arcane, niche-oriented products being introduced of late — and there are now more than 1,000 funds from which to […]
Hot Off the Web– October 4, 2010 Personal Finance and Investments In the Financial Post’s “The ant and the grasshopper: Are ants oversaving while grasshoppers frolic” Jonathan Chevreau discusses a report trumpeting that “low income Canadians (“grasshoppers”) can enjoy as high a standard of living as they have now without having to save for retirement”, […]
Hot Off the Web– September 28, 2010 Personal Finance and Investments In the Globe and Mail’s “Will you really need that much to retire?” Dan Richards discusses what percent of your pre-retirement income is needed in retirement. Numbers quoted range from 70% (the “old” standard) to 50% (suggested […]
Hot Off the Web– September 20, 2010 Personal Finance and Investments In the Globe and Mail’s “Have losers in your portfolio? Think before you sell” Tim Cestnick suggests that you ask two questions before you sell your losers: (1) “Unhappy with the investment?” (changed fundamentals or better opportunities), and then (2) “Do you have capital […]
Hot Off the Web– September 13, 2010 Personal Finance and Investments In WSJ’s “How retirement planning short-changes women” Reshma Kapadia reports that since women’s retirement savings tend to be only about 2/3 the size of men’s yet they have longer lifespans, their retirement planning needs are different. She argues that women are underserved by advisors, […]
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