2012 RRSP Special

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

Putting the mortgage in its place

With low interest rates and rising house prices, many Canadians are carrying mortgage debt into retirement. While that's not necessarily always a poor choice, clients need to be aware of the trade-offs that they are making

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Using rent to keep the house

Many older clients find themselves with valuable homes but too little cash. Renting part of the house might avoid selling or remortgaging

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“Grey divorce” carries financial risks

Ending a marriage later in life can mean a big financial hit, as well as lots of new issues with adult children. Planning ahead can help ease the transition

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Making the best of the new OAS rules

Age eligibility for old-age security is changing because of looming funding problems as the population ages. But clients most affected by the new rules will have a lot of time to plan. Financial advisors can help them get started

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How to get clients out of cash

Even though low interest rates mean returns that lag inflation, many older clients remain extremely averse to taking almost any risks in today's volatile markets. But failure to get back in the game could mean long-term losses for many

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Family? Or weather?

The favoured place to retire may have financial negatives

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Building RRSPs in 2013 and beyond

Uncertainty 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

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Customizing retirement

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

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Helping women take over the reins

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. […]

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Matching products to needs

Choice of investments can change in the de-accumulation phase. Reviewing the options

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