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The most common CPP question I am asked is: “Is it smart to take my CPP early?” A quick review of the facts: The maximum CPP benefit in 2017 at age 65 is $1,092.50 per month, or $13,110 per year. You can start as early as age 60, but you get 7.2% less for every year...read more
After last night’s US election result, everyone is asking why Trump won and what this means for the US and the world. I have been reading about this all day and came across this insightful perspective from a particularly intelligent fund manager: “Last night’s...read more
Dividend or income investors, here are the fundamental facts on how to save tax. Would you like to receive dividends of any amount you want from your investments, and pay less tax than on ordinary dividends? You can easily do this with a little planning and proper...read more
Here is a good article about a fund manager avoiding today’s dividend bubble. The riskiest stocks today are “safe stocks”. Let’s be clear. We are in a dividend bubble. People are buying over-valued companies only because of a high dividend. With interest rates so low,...read more
With the US election all over the news, I have seen a bunch of articles on how to protect your portfolio. Is trying to protect your portfolio before an upcoming news event a good idea? Trying to protect your portfolio before a known event is likely a money-losing...read more
I just read Jonathan Chevreau's new book, "Victory Lap Retirement". It is a profound concept to make your life fulfilling. Semi-retire to do what you love. Many Canadians will have to semi-retire, because they have no financial plan, are not saving nearly enough and...read more