Archive for October, 2011

Universal Life Insurance in Canada

Posted on October 25th, 2011.

Universal Life Insurance is and has long been the insurance industry’s answer to the age old question “should I buy permanent insurance or buy term insurance?”  This question is so commonly discussed that many a retail consumer, when entering a conversation regarding life insurance, will smile knowingly and state “the way to go is to [...]

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Are older investors in Canada waiting too long to reduce risk?

Posted on October 24th, 2011.

Many investors in Canada are questioning whether their hard earned savings are going to carry them through their retirement years. It is a common concern that investment people attempt to answer by creating financial projections that attempt to show, based on an assumed rate of return, how long an income stream will last. Many of [...]

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What’s important to know about bond yields in Canada?

Posted on October 21st, 2011.

When it comes to investing in bonds, there can be a great deal of confusion. The fact is that while the concept of a bond is quite simple, a loan from one party to another over a period of time, understanding the way bonds are priced and their yields are calculated can be a challenge. [...]

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Getting the best rate: Choosing a GIC in Canada

Posted on October 19th, 2011.

The market for GICs in Canada is a little shocking these days with interest rates at laughable levels. Well whether they make you want to laugh or cry, for many investors with a limited “comfort zone” or “risk tolerance”, GICs are the only investment they have ever purchased, and the only one they feel can [...]

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Buying an income stream: Annuities in Canada

Posted on October 17th, 2011.

With all the turmoil and uncertainty in the financial marketplace these days, many income seeking investors are more carefully reviewing their options, and in doing so are looking at some old fashion solutions, namely annuities. Annuities, often looked at as an old fashioned solution, have held and even increased their popularity recently as investors shy [...]

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Understanding income paying investments in Canada

Posted on October 13th, 2011.

When I speak with folks these days, I can’t help but notice that the amount of frustration with the “stock market” has reached or is near an all time high. That may be a bit of a blessing in disguise for the enormous wave of investors who will be retiring over the next 10 or [...]

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Understanding term life insurance in Canada

Posted on October 4th, 2011.

Term insurance is a staple of the insurance landscape in Canada, being a popular choice for young people who are most concerned with protecting their family over a specific period of time.  An older wealthy person may be more concerned with an estate enhancement, or a charitable endeavor, but most people just starting out are [...]

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Finding the right investment advice in Canada

Posted on October 4th, 2011.

Today, with so many investors nearing retirement, the need for excellent investment advice may never be greater. Unfortunately, due to a great deal of confusion and misconceptions, it is often difficult to make good decisions about whose advice to trust with your hard earned savings. In Canada, we have many options for advice in the [...]

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