Should you defer collecting CPP and OAS?

Can you afford to hold off and increase your payments later? Will you need more CPP and OAS later in life? And how long do you expect to live?

Should you defer collecting CPP and OAS?
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Can you afford to hold off and increase your payments later? Will you need more CPP and OAS later in life? And how long do you expect to live?

Looking backward to predict future investment performance

Be sure to read the fine print if you see a variable-rate investment such as an ETF or a mutual fund advertising what looks like a promised future return

Looking backward to predict future investment performance
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Be sure to read the fine print if you see a variable-rate investment such as an ETF or a mutual fund advertising what looks like a promised future return

RRSP or TFSA? Sorting out an investor’s dilemma

TFSAs provide great options. If you build up the money in your TFSA while you’re working, you can draw from it tax-free any time

RRSP or TFSA? Sorting out an investor’s dilemma
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TFSAs provide great options. If you build up the money in your TFSA while you’re working, you can draw from it tax-free any time

Do you need mortgage insurance?

It depends. As with all financial planning questions, no one answer fits every situation

Do you need mortgage insurance?
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It depends. As with all financial planning questions, no one answer fits every situation

Choosing and maintaining the right life insurance plan

Examining the three types of permanent insurance: term to 100, whole life and universal life plans

Choosing and maintaining the right life insurance plan
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Examining the three types of permanent insurance: term to 100, whole life and universal life plans

Life insurance is more affordable than you think

Term insurance allows the most amount of coverage with the least amount of cost for a select period of time

Life insurance is more affordable than you think
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Term insurance allows the most amount of coverage with the least amount of cost for a select period of time

Layer your retirement income to minimize your tax bill

RRSPs aren't the only financial vehicle that help you manage your taxes over time

Layer your retirement income to minimize your tax bill
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RRSPs aren’t the only financial vehicle that help you manage your taxes over time

Robo investment advisers can’t replace good financial planners

Only a human adviser can explain the implications of your investment decisions

Robo investment advisers can’t replace good financial planners
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Only a human adviser can explain the implications of your investment decisions

Should you be a Do-It-Yourself investor?

Your time is valuable, and many people don’t have the willingness or knowledge to tackle the task on their own

Should you be a Do-It-Yourself investor?
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Your time is valuable, and many people don’t have the willingness or knowledge to tackle the task on their own

Home is where the heart is – and where the costs can pile up

When it comes to owning a home versus renting, you can’t just compare the amount of rent you would pay to the amount of a mortgage payment

Home is where the heart is – and where the costs can pile up
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When it comes to owning a home versus renting, you can’t just compare the amount of rent you would pay to the amount of a mortgage payment