Tis the season for investing geniuses to offer their predictions for 2026. If history and their track record is any guide they will miss the mark by more than the mark. It will be like a major league pitcher winding up 60’6″ from the barn and missing the barn. In hockey framing it will be […]
When to rebalance your stocks in retirement and in the accumulation stage.
Most Canadian Do-it-yourself (DIY) investors are hybrid. They own a basket of Canadian stocks and largely manage U.S. and international diversification by holding ETFs. The ETFs are managed for you; that means the holdings (stocks and bonds) are rebalanced for you. When you hold a portfolio of individual stocks you will have to manage your […]
Should you take CPP at age 60 and invest the payments?
There is little debate that if you have a decent investment portfolio, you should delay CPP and Old Age Security payments. You’ll be the recipient of a significant boost in government benefits that we can consider as pensionable income. It’s guaranteed for life and adjusted for inflation. From age 65 to age 70, the guaranteed […]
The simple strategies that set you up for retirement success. Plus, the Sunday Reads.
More Canadians feel nervous and unsure about retirement. About 60% of Canadians feel they will outlive their money. I’m here to bring good news. There are a few, simple strategies that will set you up for retirement success. If you read the retirement experts, if you watch all of the wonderful Canadian advice-only financial planners’ […]
How much do they need to save and invest to retire with $110,000 annual income?
A recent Globe & Mail article laid out a retirement and investment challenge? A couple in their mid-fifties had a combined million dollar portfolio. They wondered if they could retire at age 65, while maintaining their annual income. How much would they have to save and invest to allow for that income level in retirement? […]
Schwab’s SCHD, the defensive Canadian ETF portfolio, and gold shines on the Sunday Reads.
Schwab’s SCHD is a popular U.S. dividend ETF that has been disappointing investors for a long time. Does that disappointment mean that the fund is going to shine when (if) the AI bubble bursts? And speaking of shining, we’ll take a look at gold. Can it go even higher? Plus, Canada’s most defensive sector ETF […]