From the Mid-November 2012 issue of Investment Executive newspaper. Treading carefully in RRSPs; moving nervous clients out of cash; women investors; grey divorce; mortgages; seg funds; and much more.
November 8, 2012
From the Mid-November 2012 issue of Investment Executive newspaper. Treading carefully in RRSPs; moving nervous clients out of cash; women investors; grey divorce; mortgages; seg funds; and much more.
November 8, 2012Uncertainty in markets and low interest rates can make it a challenge to help clients of any age with strategies in the year ahead. These advisors offer help, whether your clients are just starting out or are well along the investing path
Two theories of retirement financial planning suggest that assets and income streams can be altered in more precise ways as clients move through the many phases of life after work
One-third of all wealth in North America now is controlled by women. And that percentage is increasing by 8% annually, according to a recent study conducted by Bank of Montreal (BMO). But when it comes to retirement planning, the BMO survey also found, women are less likely to be as prepared as their male counterparts. […]
Choice of investments can change in the de-accumulation phase. Reviewing the options
Diving interest rates and uncertain equities have led to major changes in the availability and features of guaranteed minimum withdrawal benefits. Some advisors are steering clear, but others say GMWBs can be a sound choice
The number of people over 100 is rising sharply, with younger groups close behind
These funds offered by insurers remain appealing for some clients because they combine the investment features of mutual funds and the guarantees of insurance. But seg funds are changing and their high fees are harder to justify
With no attribution, a family can contribute more to TFSAs
Once viewed as a product with limited uses and too many drawbacks, the certainty provided by an annuity is becoming more appealing. Many retiring boomers want to make sure that the basics are covered, no matter what the future holds
Clients who hold private company shares in their RRSPs or RRIFs should be aware of recent changes that might expose them to a punitive new tax regime. If an individual holds shares of a private company in an RRSP, in which his or her ownership exceeds 10% on his or her own or in combination […]
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