Posts by Ed Rempel
Money PIP article: Why Does Retirement Feel Uncertain – Even with a Large Portfolio?
Many Canadians with $1 million or more saved for retirement still feel financially insecure. I see this all the time. People work hard, save consistently, invest for decades, and build substantial portfolios, yet still aren’t sure they can retire comfortably. In many cases, the issue is not a lack of money. It’s a lack of…
Read MoreDon’t Let Today’s Headlines Wreck Your Retirement
Gas prices are up from about $1.30/litre to $1.75/litre across Canada this year. There is conflict in Iran. Markets are reacting to geopolitical uncertainty once again. So what should investors actually do during times like this? Should you move more conservative? Or is reacting emotionally what hurts investors most? In my latest video, podcast episode…
Read MoreNational Post article: Should Caroline, 62, defer CPP and OAS until age 70, or even delay retirement entirely?
Should you delay retirement… or are you closer than you think? I was asked by the National Post to review the finances of a 62-year-old deciding whether to defer Canada Pension Plan and Old Age Security to 70, and whether to keep working longer. Some of the answers go directly against what most people assume.…
Read MoreMulti-Millionaire’s Dilemma: Stay in Stocks or Go Conservative After Retiring?
You’ve worked hard, built up a few million dollars, and now you’re seventy-five, retired, and staring at your portfolio wondering — do I really need to keep riding the stock market rollercoaster? Or is it finally time to play it safe? That’s the multi-millionaire’s dilemma, and it’s a lot more common than you might think.…
Read MoreBusiness News This Week article: Ed Rempel From Toronto Explains How RDSPs Can Help Canadian Families
Most Canadian families with kids who have disabilities are missing out on the RDSP. It’s one of the most generous programs we have — but a lot of people who qualify for it either don’t know about it or don’t use it properly. In my latest article with Business News This Week, I break down:…
Read MoreNational Post article: How can an Ontario couple ensure their disabled son is taken care of after they die?
Planning for your own future is one thing. Planning for a child who may never be able to manage their own finances is something else entirely. That’s the situation one Ontario couple is facing. They’ve done what most people would consider “all the right things” — a will, savings, insurance, and government benefits, but they’re…
Read MoreLiving Healthy Past Age 100 – Will Your Retirement Plan Survive?
Last week, I revealed my longevity journey, introduced some of the explosive developments, and why we may be able to start living significantly longer within the next 10–20 years. Living with health and vitality past age 100 could become common. What happens to your money if that happens? If we live 20 more years, can…
Read MoreHow to Live with Health & Vitality Past Age 100
Is it really possible to live with health & vitality past age 100? I am on a longevity journey to try to achieve it. In my latest video and blog post, I will explain what I have learned & experienced so far and why I believe humans routinely being healthy past 100 is in our…
Read MoreMost Inside article: Toronto-based Financial Planner Ed Rempel Debunks The Random Walk Theory
“The stock market is random.” That’s what Random Walk Theory suggests. But when you look at market history, the evidence tells a very different story. In periods of extreme market stress, something interesting often happens. Large losses are usually followed immediately by large gains. A few things investors often overlook: Markets may feel unpredictable in…
Read MoreBusiness News This Week article: Toronto Financial Advisor Ed Rempel on Exponential Thinking – How Major Wealth Happens
Most people misunderstand how wealth is actually created. Most people think about wealth linearly. Save a bit each year. Earn a few percent return. Gradually build your nest egg. But most major wealth actually happens exponentially. For example: $100,000 growing at 4% for 30 years becomes about $324,000. The same $100,000 growing at 10% becomes…
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