This special feature from the Mid-November 2014 issue of Investment Executive examines such topics as; why your older clients should remain invested in equities, working in retirement, retiring in debt, strategies for snowbirds and much more.
November 7, 2014More Canadians are retiring with debt than ever before. Although this situation is not ideal, it can make sense for some clients - but only if they understand the issues they face
To offset inflation within an annuity, some insurers offer an indexing option, in which the payments that a client receives increase over time. But this option comes with the cost of considerably lower payments in the first few years of the contract
Clients worried about outliving their money can receive steady income, but these products are not all the same - some comparison shopping is recommended. And patience is key: The older the client, the bigger the payout
Tax rules allow for inadvertent overcontributions to a client's RRSP, which can grow tax-free for decades. But there are strict limits on the amount - and anything in excess of that could generate substantial penalties
Canadian clients who spend significant amounts of time outside the country every year risk losing their health benefits, as well as possibly facing negative tax consequences
Even though Canadian equities markets are highly concentrated in a few sectors - and small compared with other markets - many clients remain uneasy about investing outside of this country. But it's a conversation advisors need to have
While the proposed Ontario Retirement Pension Plan is receiving some nods, critics argue that mandatory contributions may hurt employers
The assumption that a retired client should withdraw 4% from his or her portfolio annually is losing credibility among advisors and economists
Follow our coverage of Bridging Finance Inc., a portfolio manager and exempt market dealer based in Toronto.
We dive into the intricacies of ETFs and investigate how the market is responding to recent trends.
The cease-trade order on all 11 ETFs from Emerge Canada Inc. represented the first time such an order had been placed on a family of…
