The Case Against Stock Picking

The Case Against Stock Picking: Why Most Investors Are Better Off with Broad Market ETFs For many investors, the allure of stock picking is hard to resist. It’s exciting. It feels personal. You get to tell people you bought Tesla early or timed your Netflix sale perfectly. But here’s the reality: for the vast majority […]

The Dreaded ‘Money Talk’ – How to Talk with your Kids About Spending, Saving and Sharing

Initiating conversations about money with your children can be daunting, but it’s a crucial step in equipping them with the financial skills they’ll need throughout life. Beth Kobliner’s book, Make Your Kid a Money Genius (Even If You’re Not), offers practical strategies to guide parents in teaching their kids about spending, saving, and investing. Complementing […]

Navigating the RESP: How to Better Save for Your Children’s Education

Saving for your child’s post-secondary education is a significant financial goal for many Canadian families. A Registered Education Savings Plan (RESP) is a powerful tool designed to help you achieve this objective. In this article, we’ll explore what an RESP is, how it functions, tax-efficient investment strategies within the account, and the rules for withdrawing […]

What is a LIRA Account? And How Does it Work?

A Locked-In Retirement Account (LIRA) is a specialized Canadian investment account designed to hold pension funds transferred from a former employer’s pension plan, whether it’s a Defined Contribution or Defined Benefit plan. Unlike a Registered Retirement Savings Plan (RRSP), where contributions can be made at any time and funds can be withdrawn (subject to taxes), […]

Why Index Investing Works

Investing can often seem daunting, especially with the myriad of options available. However, one strategy has consistently proven effective for both novice and seasoned investors: index investing. By purchasing total market ETFs and one-fund solutions, you can gain exposure to a broad spectrum of global stocks, thereby minimizing risk and diversifying your portfolio. The Power […]

It Pays to Ignore Market Downturns

It Pays to Ignore Market Downturns Market downturns can be unsettling, but history has shown that they are not a reason to panic. In fact, for long-term investors, downturns can present valuable opportunities to strengthen a portfolio and maximize returns. Here’s why staying the course during market slumps can actually be good for your financial future. 1. Downturns Are […]

Why Time in the Market Matters

Why Time in the Market Matters Investing can feel like a rollercoaster, but history proves that staying in the market beats trying to time it. Long-term investing—particularly with index funds—has consistently outperformed actively managed strategies while keeping costs lower. Let’s break down why time in the market matters and how sticking to an index strategy […]

5 Things Young Investors Should Know

5 Things Young Investors Should Know Investing can be an exciting yet daunting journey, especially for young investors. The earlier you start, the more time your money has to grow, but navigating the financial world can be tricky. Here are five crucial things every young investor should know to set themselves up for long-term success. […]