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Articles from Desjardins Financial Security

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Through their mutual funds*, a growing number of individuals find themselves investing in the bond market. How does it differ from the stock market?

After a decade of generally positive returns on the financial markets, and with persistent rumours of an economic slowdown, many investors seem inclined to turn to “safer” investments. But at what cost?

When you consult a mutual fund representative or a financial security advisor about an investment strategy for yourself, the person you consult will usually try to determine which type of portfolio would best suit your “risk profile.” But what, exactly, is a risk profile? And how is it established? The answer in 5 points, with illustrations.

Buying rental property and investing in the stock market through mutual funds are two ways of building wealth. How do they compare? When it’s time to invest for retirement or other purposes, many people think of mutual funds first because they are simple and accessible. Some, however, would opt for the real estate sector instead – or as well – by investing in one or more income properties.

Many companies have developed a “Horizon 2020” plan for achieving various financial, tax or operational goals. But individuals, too, can start now to consider decisions that will have an impact on their personal finances next year… and beyond. Overview.

… and the contribution limit just rose to $6,000. It’s the perfect time to take a fresh look at the features of this tax-efficient investment vehicle that Canadians are using more than ever.

December 31 is just around the corner, but it might not be too late to take some steps that could make a noticeable difference when come tax time. With that in mind, here are 8 important year-end reminders.

October 2018 ran true to form by ending with a pronounced drop in the major stock market indices. In this article, we try to determine if history can teach us anything about this type of episode.

When interest rates are rising, the first question that comes to mind usually concerns the cost of borrowing. But can increasing rates also affect our investments?

While so-called “intact” families (with both of the biological or adoptive parents still present) remain the majority in Canada, stepfamilies, also known as blended families, continue to grow in number. In fact, the latest census shows that a child entering adolescence has a more than one-in-three chance of no longer living with his or her original family.

Here are some possible strategies for investors who have maxed out their RRSP and TFSA contribution room.

The concept of responsible investment has evolved substantially in recent years, and has now moved far beyond what used to be known as “ethical” funds*. A five-point overview.

There are different ways of calculating the performance of a mutual fund.* Are you familiar with them?

For grandparents, there can be more than one way to give offspring a helping hand. One of these might even far outlast the grandparents themselves.

There’s no question: being self-employed is quite different from being a paid employee. But different how, exactly? Here are a few financial details specific to each situation, along with some tips to guide your first steps if the adventure of self-employment is calling you.

Decorate your house for Canada Day and you could WIN!

Submit a photo of your Canada Day-Themed home by tagging the Official Town of Pelham social media account on (@TownofPelham) Twitter or (@TownofPelhamOntario) Facebook OR email your submission to rahle@pelham.ca 

Houses along the Parade Route will also be judged on July 1st at 3:00PM

Contest winners will be notified the week of July 4th!

A low-cost vacation this year? Camping is definitely an affordable way to see the country… as long as you take certain precautions.

Close to half of Canadians spend their whole paycheque and wait impatiently for the next one. How can anyone save in this situation?

This spring could be a buoyant one for the real estate world. At least that’s what it looks like based on recent statistics from the Canadian Real Estate Association: since the beginning of the year, close to 45,000 properties have changed hands every month in Canada – a level that we haven’t seen since June 2007! 

After the holiday bells come the holiday bills… and an opportunity to ponder that age-old question: can you buy happiness? As luck would have it, researchers have been studying that very thing.

With interest rates remaining at historically low levels for years now, a good number of investors are starting to wonder how they can make their nest egg grow to finance their long-term projects. Investing? Why not?

Do you own your home? Then it’s probably one of your most valuable assets. On the other hand... your mortgage is probably your biggest debt! So how can you pay off this debt quickly? There are three main ways.

During the last recession, some Boomers lost up to 15 per cent of their retirement portfolio value. Because this has been a source of concern for many investors, we asked Michael Aziz, regional vice-president for Desjardins Financial Security, to suggest the best ways in which Boomers can rebuild their savings. "As the economy continues to improve, one strategy is income splitting," said Aziz.