David's Insights

Plan - don't predict. After a restful summer we are back to share more ideas and thoughts on the market and wealth planning. We'll likely be reducing the cadence and possibly re-titling the letter to David's monthly. In this week's letter: Navigating...

The slowing in year-over-year price growth to a 2.0% rate - the lowest since February 2021, and right in line with the Bank of Canada’s (BoC's) 2% inflation target - was largely driven by lower gasoline (and oil) prices but broader underlying inflation...

The income earned by graduates has lagged tuition growth, particularly in fields such as engineering, architecture, and related sciences.

Growth in the third quarter is already looking to undershoot the BoC’s July forecast. We continue to expect another rate cut in October.

When estate planning, remember to include your personal property and heirlooms

Why you should make a Will and include an up-to-date net-worth statement

The 2.5% reading is the lowest since March 2021.

Plan - don't predict. Interest rate changes and your portfolio - the recent impacts We're jumping in to cover a couple of topics while resting up for the writing season in the fall. A couple of items keeps coming up in discussions with friends and colleagues...

After a first interest rate cut in June, the Bank of Canada (BoC) again lowered its key overnight rate by 25 basis points at its meeting Wednesday, to 4.5%. The move was in line with market and our own expectations ahead of the announcement.