Canada’s Tax System
August 4, 2025
It is critical to understand how the tax system impacts or investments. It’s not what you make, but rather what you keep!
It is critical to understand how the tax system impacts or investments. It’s not what you make, but rather what you keep!
What happens when a bank takes advantage of an elder? Apparently nothing, given stories like this one.
There are a lot of issues with the marketing of Portfolio Funds at banks. Here are our recommendations and rationale to fix these concerns!
Portfolio funds are provided as a convenience for investors who don’t want to take responsibility for how they invest. Portfolio funds can provide some benefits, but you MUST know how they invest!
The stock market is the best place to make money with your investments over the long term. This post discusses the basics of the market, then how the market actually works. Finally we provide the main strategies used in the past for success.
Used well, diversification can improve our portfolio’s return while lowering the overall risk of the portfolio. Under diversification increases risk. Over-diversification reduces performance to the market index
Investment industry regulations require fund companies to fully disclose the costs to investors who own, or are interested in owning, their funds. Are some banks now in violation of the spirit of this regulation?
The mutual fund industry solved a big problem when they created the deferred sales charge (DSC) model. Maligned by a long-term disinformation campaign the DSC option was eliminated 5 years ago. Is it time to bring it back?
The Canadian Investment Regulatory Organization (CIRO) started operations early in 2024. From my agency’s perspective, they started on the wrong foot! Here’s the story.
One of the most important drivers of human behavior is how we get rewarded. “Tell me how a person gets paid, and I’ll tell you how that person behaves”. To get the best out of your finances, you MUST know