Contents: Canada’s balanced budget on track, survivorship bias distorts fund returns, Canada/Toronto/Vancouver house prices still hot, U.S. homes affordability-depends on metric, 2013 good year for Florida real estate, Ontario pension reform expanded-CPP with flexibility points? improved Canadian pensioner longevity metrics drives up obligations, multidimensional measure of retirement readiness, emerging markets remedies, middle class stagnating or […]
Contents: Retirement stock allocation, tax pressure on dual US-Canadian citizens in Canada, more scrutiny on dually registered advisers, aggressive approach to retirement savings, Canada’s house prices continue to escalate but known risk factors unlikely to burst bubble, Quebec court: pension underfunding is a “deemed trust” which has priority over secured creditors just one of many […]
Contents: Sustainable spending strategies, you own the stock or the stock owns you? investing in your health, with higher interest rates it’s time for annuities? Swedroe: absolute return=rip-off, timing of retiree downsizing? U.S. property ‘deals’ for Canadian snowbirds-Not, U.S. home prices strong but volumes slow, 401(k) with feedback, autopilot 401(k) outcomes improved but still inadequate, […]
Contents: SEC priorities, are advisers worth their fees? liability driven investing for individuals, Canada home prices slightly up but sales down, rent or buy? Florida has 25% of national foreclosures, Nortel pensioners squeezed, 2014 the year of Canadian pension reform? The Third Rail: the pension crisis and potential solutions, Target-Benefit/Shared-Risk pension plans, commonalities of gold […]
Contents: Advisers don’t understand ‘alternative funds’, travel health insurance claim denied? rising equity glide-path in retirement, Canada real estate industry: “no landing, no slowdown, no correction”? pension funds eliminate underfunding but Nortel pensioners still 40% underwater, old 60:40 allocation still good- just remember to rebalance, not just index funds but portfolios built on them better, […]
Contents: Scamming the elderly, tougher standards for advisers? retirement income considerations, money resolutions, housing wealth rebound less than perceived, US housing flat in October, shorting Canadian real estate? rising retirement/pensionable ages, Nortel pensioners screwed again? hyper-inflationary threats not materialized (so far), income gap: widens in rich countries but narrows globally, academics for sale? imploding Japanese […]
Contents: Regulators struggle with fiduciary and mutual fund fee reform, stay away from market-linked GICs, embryonic Canadian online investor advice models, catch-up steps before retirement, long-term care insurance- Not, stop-loss orders- handle with great care, Canadian real estate still on fire but experts warn of significant correction, expanded CPP dead (for now at least)- long […]
In a nutshell The expanded CPP appears dead, for now anyways; this time killed by the federal government. With apparent consensus on the need for pension reform, over the past few years the possibility of an expanded CPP sucked all the oxygen out of the debate on the best type of pension reform for Canada. […]
Contents: Act on underfunded retirement, emergency rooms, advice/advisers/planners vs. products/salesmen/brokers and fiduciary care, Bogle: must be a fiduciary if touching other people’s money, online automated advice, Canadian banks reject Power-of-Attorneys, home prices in Canada: off -0.1% MoM but still up 3.4% YoY, U.S. foreclosure activity lowest in 8 years, pension reform: expanded CPP? judge surprised: […]
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