Your 2017 Holiday Budget Guide

by Invisor Last updated on November 15, 2017

Photo by Andrew Neel on Unsplash 

We may only be half way through November but there’s no denying it: the holiday season is here and, whether we’ve prepared for it or not, the rush of holiday parties, family get-togethers, gift exchanges, and planning for New Year’s Eve is right around the corner.

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Economic Update October 2017: Is There Room to Go From Here?

by Josh Miszk Last updated on November 03, 2017

Global markets surged in October setting a series of records throughout the month. For many investors, the question now is whether the current valuations are stretched or if there is still room to go. While there is no shortage of black swan events that could derail the current rally (i.e. North Korea and Washington), market fundamentals support the current valuations. 

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Should You Rely on Your House to Fund Your Retirement?

by Invisor Last updated on October 25, 2017

Image: Nathan Walker 

If you own your home, there’s likely a lot of equity tied up in it, especially with the spike in house values we’ve seen the past couple years. If you’re planning on downsizing in retirement, you might be considering funding your post-work years with the money earned from selling your home. In fact, according to a recent study by the Ontario Securities Commission, nearly 4-in-10 homeowners in Ontario aged 45 and over are relying on the appreciation of their home to get them through retirement.

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Economic Update September 2017: Resilient Markets

by Josh Miszk Last updated on October 03, 2017

North American equity markets showed resilience to significant geo-political tensions and natural disasters in September. On one hand, the North Korean threat to the world escalated significantly with the latest nuclear test, while on the other hand hurricanes Harvey and Irma caused devastation in various parts of the US and the Caribbean.

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How Simplified Issue Insurance Makes Buying Insurance Easy

by Dan Poole Last updated on September 20, 2017

Photo by Tran Mau Tri Tam on Unsplash

Buying life insurance is easier now than it has ever been – including buying online!

Although it is a few years old now, a concerning study was published in 2014 that revealed far fewer Canadians were buying life insurance than three decades ago, yet one-third of Canadian households would face financial difficulty if the primary household earner were to pass away. Why would people NOT buy insurance despite having a need? Some of the most common reasons we have heard are:

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Economic Update August 2017 - A Closer Look at the US Economy

by Josh Miszk Last updated on September 07, 2017

In Canadian dollar terms, global developed markets evened out in August. While the month was relatively tumultuous from a geopolitical standpoint, economic news has remained much the same. The Canadian dollar has kept its relative strength versus the US dollar, driven partially on expectations of rising Canadian yields but, more importantly, on weaker demand for USD.  

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How to Invest on a Small Budget

by Invisor Last updated on August 16, 2017

Photo by rawpixel.com on Unsplash

There seems to be a common perception that tells us investing is only for those with large budgets. It tells us that to start investing, you need thousands of dollars parked in savings to have a chance of reaching your financial goals. 

We’re here to tell you that you don’t need either of those things to open an investment account. All you need is a simple plan and the commitment to stick to it.

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Economic Update July 2017: Trust the Fundamentals

by Josh Miszk Last updated on August 02, 2017

With seemingly endless surprises coming out of Washington this past month, the lack of confidence in US politics has put pressure on the US dollar. In Canadian dollar terms, that pressure has manifested in weak returns across global developed markets.  

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Can Traditional and Robo Advisers Co-exist?

by Melissa Motyka Last updated on July 25, 2017

Image: Kait Loggins

In some parts of the world like the U.S. and the U.K., robo-advisers have been around for almost a decade; in Canada, the digital addition to the financial services industry has been more recent, withh the first few robo players launching their services in late 2014. 

While there is no shortage of robo companies in North America and abroad, there is still some uncertainty when it comes to how they can form meaningful partnerships with existing traditional advisers. Before we can tackle how the two can co-exist - and thrive together - it's important to understand how robo-advisers serve clients. 

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Insurance 101: What Term Should I Choose For My Term Life Insurance?

by Dan Poole Last updated on July 19, 2017

Image: Danielle MacInnes

So, you’ve made the decision to buy life insurance?  Good for you!  It’s a major step in preparing you and your family for years of financial security. You’ve done the research on buying term life insurance or permanent life insurance and have decided to go with term insurance. But what term should you choose? In this Insurance 101 post we cover some of the factors to consider when deciding on a term for your term life insurance policy.

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