Posts Tagged ‘investment wisdom’
EntrepreneursBreak article: Ed Rempel on Why Free Markets and the Stock Market Build True Wealth
I was recently featured in EntrepreneursBreak discussing why I believe free markets and the stock market have been such powerful drivers of prosperity and long-term wealth. In the article, I look at: One thing I’ve seen repeatedly after looking at the complete finances of thousands of Canadians: people who build significant wealth usually own productive…
Read MoreShould You Pay Off Your Mortgage Early or Invest Instead?
For many Canadians, becoming mortgage-free as quickly as possible feels like an obvious financial goal. But I think there’s a more important question to ask first: Once your mortgage is paid off, what percentage of that former mortgage payment will you actually invest? I call this the 95% test. If you pay off your mortgage…
Read MoreNational Post article: Can Tom afford to retire by 63 with a $1.16 million portfolio?
Having enough money to retire is one thing. Knowing how to use it wisely is another. Tom and Judy are in a strong financial position. With a $1.16 million investment portfolio and a valuable defined benefit pension, the bigger question isn’t whether Tom can afford to retire at 63 — it’s how they should make…
Read MoreiWatchMarkets article: Ed Rempel, CFP, Explains Why Self-Made Dividends Are Better Than Ordinary Dividends, In Every Way
Most investors think dividends are one of the safest and smartest ways to create retirement income. But are they really? Ordinary dividends have some significant drawbacks that are often overlooked: There’s another option: self-made dividends. Instead of relying on companies to decide when and how much income you receive, you create your own cash flow…
Read MoreWhy Economic Freedom and the Stock Market Make Us All Richer
As equity investors, we put our money into companies through the stock market because we believe in the power of innovation, competition, and long-term growth. But for the stock market to deliver strong returns over time, we need economic freedom and free enterprise. When people can freely start businesses, invest, trade, hire, and compete without…
Read MoreGet Financial Freedom Tips Article – Rethinking Retirement: Why Ed Rempel Backs a 100% Equity Strategy for Life
For decades, the bedrock of mainstream financial planning has been built on a comforting, two-part rule: diversify your wealth between stocks and bonds, and steadily shift toward the safety of fixed income as you grow older. But according to Toronto-based veteran tax accountant & fee-for-service financial planner, Ed Rempel, this time-honoured tradition might actually be…
Read MoreStarting Over Financially – When Life Changes and You Suddenly Have to Handle It All
Starting Over Financially After Loss or Divorce ________________________________________________________________________ When life changes and you suddenly have to handle it all Part 1: Finding Your Floor Before Making Big Decisions A note about this seriesThis is Part 1 of a practical series on rebuilding financial confidence after loss, divorce, or separation.Today is not about building a complete…
Read MoreHow Interest Affects Your Money: Why Small Decisions Matter More Than You Think
When most people hear the word interest, they think of one thing: “Interest is bad.” Credit cards. Loans. Debt stress. But interest isn’t a financial villain — it’s just leverage. The reality of today’s world is simple: you cannot build a massive future entirely on pocket change. Whether it’s funding an education, buying a car…
Read MoreThe Financial Future Isn’t Broken—But It Is Optional
Is the financial system failing Gen Z, or does it just depend on whether we choose to participate? If you’re Gen Z in Canada, economic pessimism doesn’t feel like a dramatic overreaction. It feels entirely earned. Rent in Toronto and Vancouver borders on the absurd. Homeownership has taken on the status of a myth. Student…
Read MoreRetirement Tax Shock: Why Many Canadians Pay More Tax Than Expected
Most Canadians expect to be in a lower tax bracket in retirement. But many end up paying more tax than they expect. How do tax brackets change after age 65 and why can common assumptions about RRSPs and retirement income lead to higher lifetime taxes? Here are practical strategies to reduce tax over time, including…
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