Smart Money Invest
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"It's easy to be forgetful. I’ve been known to forget a few things myself most notably my anniversary. So, each year at about this time, I like to remind Canadians of tax ideas for the fourth quarter of the year."

This is how how our fees compare to the industry average! We charge a monthly management fee based on annual fee rate 0.80%. The ETFs charge a very low fee which is embedded in the cost of the ETFs you will own. #moneytime #investing #fintech

Here's how this family can save enough for their kids' education, buy a new house and still come out with a 5-star #retirement plan.

The best, and worst, ways to deal with #debt.

You are only on the right path to financial confidence when your #FinancialPlan is custom-fitted for you specific circumstances.

Peter Hodson: Here are five ways to keep your taxes as low as possible.

"It's easy to be forgetful. Ive been known to forget a few things myself most notably my anniversary. So, each year at about this time, I like to remind Canadians of tax ideas for the fourth quarter of the year."

Our #Smartopedia feature for today is ETF Dividends! High growth companies and startups will rarely pay out dividends, instead will reinvest the money into the company. Large established companies will most likely give out dividends. Dividends are taxed at a lower rate than income.

The mood of #investors seems to mimic the cyclical nature of markets by oscillating between the emotions of greed and fear. Many investors panicked in fear and sold out of their stock #investments after experiencing dramatic losses, only to trade into GICs that paid almost zero return during the recession.

A common assumption for couples approaching retirement and financial planners alike is to plan for a synchronized retirement date. But should couples plan to retire at the same time? https://buff.ly/2QXaoIn

Canadian employees can expect very slightly higher salary increases in 2019, compared to 2018, according to Aons 2018/19 salary planning report.

In our latest blog, our Associate Advising Representative & Client Account Manager, Mike Fortunato describes how #investors were thrown this rollercoaster ride, as the #market was beginning its recovery in 2009. https://buff.ly/2ONEQ6y

Canadians with solid financial plans feel better off emotionally and financially than those without, according to research.

The amount households owe, relative to their income, crept higher in the second quarter (Q2 2018), even as mortgage borrowing continued to slow, Statistics Canada said.

Our #Smartopedia feature for today is Variable Insurance! Permanent life insurance has a cash value component - e.g. there is a minimum death benefit, the rest depends on the investments made. Because of this the policy is more expensive than others.

What happens when you get paid $5,000? If you dont divide the money, youll spend it all, says Dan Ariely, a Duke University professor and author of Dollars And Sense...

Canadian family-controlled public companies outperform their widely held peers, says a National Bank report.

Our #Smartopedia feature for today is Critical Illness Insurance! If the #insurance holder gets sick with one of the illnesses covered by the policy they have, and the survive a certain length of time, the holder receives a sum of cash.

Adjusting to life in retirement can sometimes mean spending more than you bring in whether this is because of underestimated monthly expenses, unexpected costs, or overestimating retirement income here are some ways to save money in retirement.

A solid #FinancialPlan can help persons to overcome some of todays biggest financial fears dependence on government or family in #retirement, needing to join the ranks of the working retired, or simply the fear of never being able to realize lifes goals. - FPSC

These steps can help get you back on trackand back to saving money more quickly.

Nearly half (46 per cent) of Canadian employees said financial stress is impacting their workplace performance, according to a new survey by the Canadian Payroll Association.

In our latest blog, our Associate Advising Representative & Client Account Manager, Mike Fortunato explains the true cost of GICs during a market crash. https://buff.ly/2wSA9jR #investingt #GIC

The start of the school year should be a time for optimism, but for many students and parents its a hard lesson on the growing cost of a post-secondary school education.

The Canadian dollar could rally above US80 if trade talks between Canada and the U.S. are successful.

Our #Smartopedia feature for today is Self-Directed #RRSPs! Self-Directed RRSPs are accounts where investments are managed by the account owner.

The transition to retirement is stressful, and that stress is made worse by not having a plan. Leaving full-time work is a time of change, ambiguity and lack of structure.

A decade-long effort to make investment fees more transparent has apparently left investors more confused than ever.

Happy Birthday, Warren Buffett! Here Are 30 Of His Best Quotes https://buff.ly/2wy23ln

Buffett is a great investor. Yet, like many greats, a lot of his success comes from diligent implementation of others' ideas. In fact, he frequently boils down the essence of his approach to three book chapters from just two timeless books.

#FinancialWellness feed into the other organizational-wide objectives managers are trying to achieve. - HRD Canada #GroupSavings and #FinancialLiteracy programs are options that managers can implement within their wellness strategy to help employees and overall productivity at the same time.

When reviewing your investment strategy, there are some concerns that are always relevant and others that are more germane at different stages of your life.

Retirement planning can be daunting, but with a little nudge in the right direction, everyone can be more motivated to develop a plan.

Only 40 per cent of Canadians who are classified as precarious workers have access to pension plans or registered retirement savings plans.

Survey finds that 73% of HR leaders are concerned about the financial preparedness of their employees for retirement and 32% are concerned with how well employees understand decumulation.

The most important part of being financially savvy is having a plan that is customized to your needs and sticking to it. Yes, you may need to divert now and then but always remember your goals. #WealthManagement #FinancialPlanning

Mathematically speaking, if a market rises for five years or more before falling, then that markets 5-year historical return will be at its highest level precisely at the moment before it is about to crash. #StockMarket #investing To read more of our analysis visit our latest blog post.

poor financial wellness impacts upon employee mental health, on their stress and anxiety levels. This in turn impacts on engagement in the company, workplace morale and overall productivity.

A financial plan is based on growing your net worth and there are only two ways to do that: build your assets and reduce your liabilities. Heres how to automate it all.