November 2018

What happens after the stock market drops?
Exploring  compound returns Portfolio rebalancing
Test your knowledge Check out this month’s finds

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Pictures worth a thousand words

Portfolio rebalancing

Find out what portfolio rebalancing is and why you might want to discuss it with your mutual fund representative from time to time.

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Do you know your indices?

Do you know your indices?

A brief visual reminder of what indices are and how they are useful.

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Life insurance and estate planning

Life insurance and estate planning

Learn a few strategies for protecting your estate and simplifying the transfer of wealth.

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Retirement savings withdrawal strategies

Retirement savings withdrawal strategies

When you retire, you move from a stage of life where you are accumulating assets to a stage where you are drawing on them.

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Ensuring a smooth business transfer

Ensuring a smooth business transfer

Five things that could tip the scales towards success.

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Five factors to consider for maintaining  your standard of living in retirement

Five factors to consider for maintaining your standard of living in retirement

No matter how much capital we’ve built up and what sources of revenue we have, the question still stands: will it be enough for us to maintain the same standard of living throughout retirement?

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Long-term care insurance

Long-term care insurance

Life expectancy has increased significantly in recent decades. Unfortunately, with age, the risk of needing care on a daily basis also increases. Purchasing long-term care insurance is a simple gesture that can make a big difference.

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Every age has its financial priority

Every age has its financial priority

As we progress through each of life’s stages, our financial priorities undergo a considerable amount of change. This infographic provides a few handy pointers to help organize these priorities based on the stage of life you have reached.

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Periodic Savings, how does it work?

Periodic Savings, how does it work?

Financial markets can be volatile and in the short term, it’s difficult to predict the right time to buy or sell your mutual funds. However, there is a good strategy to be less exposed to market fluctuations: periodic savings!

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Self-employed workers: a handy guide

Self-employed workers: a handy guide

Quick comparative overview of self-employment versus paid employment.

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When it comes to personal finances, how much is advice worth?

When it comes to personal finances, how much is advice worth?

Did you know? Households that use the services of an advisor for their financial decisions have, on average, twice as many assets, double the savings rate and a more optimistic view of the future.

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Does pinching pennies really work?

Does pinching pennies really work?

Yes! And it could be easier than you think.

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How to plan your financial future?

How to plan your financial future?

The future is difficult or even impossible to predict. So what about the future of your personal finances?

In the absence of a crystal ball, you should at least have a financial strategy that takes into account your life cycle.

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10 years: what has changed?

10 years: what has changed?

In honour of the 10th anniversary of Actualis, here is an overview of the financial changes we have lived through since 2006... along with a few other interesting highlights!

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Income insurance: how does it work?

Income insurance: how does it work?

No one ever sees it coming, but... an accident can happen so fast! If you were suddenly unable to work due to an accident or illness, income insurance, or “disability insurance,” could help you to meet your financial obligations.

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Getting a first apartment: quite an adventure!

Getting a first apartment: quite an adventure!

Stay in control with a little planning.

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What is living benefit insurance?

What is living benefit insurance?

When you purchase a life insurance policy, you are doing something important about taking care of others.

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Five dollars for a head of celery?

Five dollars for a head of celery?

It seems as if some common foods now cost an arm and a leg. What’s up with that?

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How is your income taxed?

How is your income taxed?

Did you know that, when it comes to taxes, not all forms of income are equal?

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The five cardinal sins of investing

The five cardinal sins of investing

A few practical reminders to get you started on the right foot in 2016.

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Saving up to buy your first home

Saving up to buy your first home

Do you dream of owning your first home?

Two savings vehicles can carry you closer to your dream.

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A penetrating look at a record debt load

A penetrating look at a record debt load

Graphic review of Canadian household debt.

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How can you pay down your mortgage faster?

How can you pay down your mortgage faster?

Do you own your home? Then it’s probably one of your most valuable assets. On the other hand... your mortgage is probably your biggest debt!

So how can you pay off this debt quickly? There are three main ways.

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How soon should you start investing?

How soon should you start investing?

The answer is simple: as soon as you have an income.

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Should I stay or should I go?

Should I stay or should I go?

Have you moved recently? If you have, you know that moving can cost a pretty penny. But how much, exactly? And how does your move compare against the average? Here’s a graphic look at the issue with some practical information.

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Financing postsecondary education more easily

Financing postsecondary education more easily

Allowing your child to go to university without going into debt… Is that possible? Yes, it could be - with the help of a registered education savings plan: an “RESP”.

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Do we pay a lot of income tax?

Do we pay a lot of income tax?

Ah, income tax! We always think we’re paying too much. But look around…

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How will your retirement be funded?

How will your retirement be funded?

Aside from RRSPs, how familiar are you with the other components in Canada’s pension system? Follow the guide.

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Retirement income: what are your options?

Retirement income: what are your options?

You have to terminate your RRSP in the year you turn 71. What are your options at that point?

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The hidden side of stress

The hidden side of stress

Stress is an old friend that tags along with us in every area of life, especially at work. But our relationship with this frenemy could turn out to be costly.

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Should you put your savings in an RRSP or a TFSA?

Should you put your savings in an RRSP or a TFSA?

 

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Are we earning more than before?

Are we earning more than before?

They say that everything in life – and especially the economy – goes up… But does that include our wages? An update in diagrams.

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Home Buyers’ Plan

Home Buyers’ Plan

Do you dream of buying your first house, but don’t know where you’d find the down payment?

You might not realize it, but your Registered retirement savings plan can advance you the money you need. The Home Buyers’ Plan, or HBP, makes it possible.

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How much money do they make on that?

How much money do they make on that?

It’s a question that we all end up asking ourselves on some shopping trip or other. Who, exactly, is making money on my purchase, and how much are they getting?

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How to protect your finances from the unexpected

How to protect your finances from the unexpected

Is it true that one misfortune always follows another? When it comes to financial security, it seems that things often happen that way.

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What are the odds?

What are the odds?

Or why buying lottery tickets will never be part of any serious financial plan.

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What is long-term care insurance?

What is long-term care insurance?

According to Statistics Canada, in the past 50 years, Canadians’ life expectancy has increased by about ten years.

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How’s your credit?

How’s your credit?

Do you know what’s in your credit report? Lots of things that you, yourself, might have forgotten.

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How much does a child cost?

How much does a child cost?

From diapers to diploma, a pretty good investment!

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Retirement’s new challenges

Retirement’s new challenges

How our life expectancy is shaking up retirement planning.

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Titre: Health is wealth:  insure it

Titre: Health is wealth: insure it

As we go through life, a variety of risks may threaten our health, and these can affect our financial situation.

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And what does it cost there?

And what does it cost there?

Planning on spending a few days in another city this summer? Be prepared to find out that the cost of living varies greatly from place to place in North America. The graphics we’ve prepared for this issue of Actualis will give you some idea.

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How to choose life insurance

How to choose life insurance

How to choose life insurance

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Who’s still got straight A’s?

Who’s still got straight A’s?

Canada still has its triple A rating … But as our infographic below shows, membership in this club is increasingly restricted.

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The seven pillars of financial planning

The seven pillars of financial planning

Before building a house, it’s always best to have a set of detailed plans. The same goes for your finances. A good plan drawn up by a skilled financial services professional can help you build on solid ground.

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25 years of free trade: where do we stand?

25 years of free trade: where do we stand?

An overview of trade with our main trading partners.

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Do you know how much money you owe?

Do you know how much money you owe?

On average, each Canadian is carrying a debt load equal to over 150% of his or her disposable income!

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How deeply in debt are Canadians?

How deeply in debt are Canadians?

A portrait of Canadian borrowers and their share of the country’s total household debt.

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Taxes at death

Taxes at death

Some people think that death puts an end to all of a person’s obligations. Interestingly enough, that’s not true.

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