2024 Market Outlook

Friday, February 23 | 2:00 PM - 3:00 PM

Please join us for this informative webinar for a current economic and market outlook. Gain expert insights on how the economy is expected to perform in 2024, the potential challenges ahead and considerations for overcoming them.

Attendance is complimentary. Kindly RSVP to email TeamKarim@RBC.com and register for the event by clicking the button above. Please feel free to send this invite to anyone who you feel will find it beneficial and informative.

Hosted by:

Karim F. Visram, CFA, CPA, CFP, FMA

Senior Portfolio Manager.

Karim Visram Private Wealth Management Group of

RBC Dominion Securities

With guest speaker:

Kapil Bapat, CIM

Portfolio Advisor, Canadian Equities

RBC Wealth Management

Kapil joined the RBC Portfolio Advisory Group in 2022 and has more than 14 years of experience in managing Canadian and U.S. equity portfolios. He is currently a member of the PAG Canadian Equity investment committee where he helps manage Canadian equity mandates.

RBC Dominion Securities Inc.

You’re invited to

Building Cyber Resilience:

Education and Tips to protect yourself and your family in a digital world

Insights from Adam Evans and Kevin Purkiss

Thursday January 25, 2024

6 p.m. – 7 p.m. EST

I hope you have had a good weekend and are ready for a fresh, and hopefully warmer new week.

To better understand the current threats in this constantly evolving digital world, I invite you to an exclusive RBC Private Banking virtual event where we will discuss how to build your own cyber resiliency, as well as the role RBC can play to help protect you.

Join us for an RBC Private Banking virtual event featuring insights from Adam Evans, Senior Vice President & Chief Information Security Officer, Global Cyber Security, RBC and Kevin Purkiss, Vice President, Fraud Management, RBC, hosted by Kim Mason, Executive Vice President and Head, RBC Private Banking Canada.

Adam and Kevin will share their insights on how fraudsters use technology to commit malicious acts, and how to protect yourself, your family and your business from a potential cyber-attack.

Please RSVP by January 24, 2024

After registering, you will receive a confirmation email as well as a calendar placeholder. You will receive a link to join the live event in an email closer to the date.

I hope you can join us for this very important and vital presentation at this time in our cyber world.

Warm Regards,

Karim

PLEASE NOTE THE FOLLOWING

To submit questions for the panelists before or during the event:

Visit www.slido.com and use the code #PBCYBER

Questions? Contact rbcprivatebankingevents@rbc.com

Solo Seniors: How to age alone and well

Actionable advice to stay in control, secure, and connected

Wednesday, January 24, 2024 | 1:00 p.m. ET

I would like to start by wishing you and the family a very HAPPY NEW YEAR. I hope you had a nice holiday to spend time with loved ones.

The number of Canadians living to 100 and beyond is increasing exponentially. If you add to that Canada’s 48% divorce rate and women outliving men by 4.4 years on average, most of us will spend a portion of our senior years alone. That said, there is a difference between being alone and feeling lonely. While loneliness can be as unhealthy as smoking 15 cigarettes a day, aging alone can be fulfilling with the right planning and support systems in place.

Join us to explore the impact of loneliness on your mental, physical, and financial wellbeing and how to stay secure, in control, connected, and healthy if you are aging alone. This discussion is not only for ones who are currently living alone but also for anyone who anticipate at some point in future, may live alone. Please feel free to forward this invite to anyone you know who will benefit from this presentation or discussion. Details are as follows.

Speakers:

Moderator:

Leanne Kaufman, President and CEO, RBC Royal Trust

Panelists:

Dr. Rachel Savage, Scientist, Women’s Age Lab and Women’s College Research Institute, Assistant Professor, Institute of Health Policy, Management and Evaluation, University of Toronto

Audrey Miller, MSW, RSW, CCLCP, Managing Director of Elder Caring Inc.

Dr. Paula Rochon, Senior Scientist, Women’s College Research Institute
Director, Women’s Age Lab, Professor, Department of Medicine and Institute of Health Policy, Management and Evaluation, University of Toronto, Retired Teachers of Ontario Chair in Geriatric Medicine, University of Toronto, Senior Scientist, ICES

To participate in this virtual event:

Click on the “Register” button above.

This event is taking place on the BrightTALK platform. If this is your first BrightTALK event, you will need to provide your name, email and password of choice. Please ensure to set your time zone and your email preferences

Warm Regards

Karim

November 20, 2023

I trust this message finds you and your loved ones in good health and high spirits.

It is with immense pleasure and gratitude that I inform you of the top charities you chose over the last few weeks. These were chosen from all the responses we received over the last 3-4 weeks. Your insight and commitment to making a difference in this world is remarkable.

The charities you chose are the following:

• The Food Bank (50%)

• The Cancer Society (19%)

• The Covenant House (10%)

• Following tied for 4th, 5th, and 6th (7%)

  • Sick Kids Hospital

  • The Alzheimer's Society

  • Medecins Sans Frontieres 

These choices reflect not just a list but a testament to your dedication in championing causes that matter. In Lieu of our customary annual Christmas party, I am thrilled to personally make donations to all these remarkable charities.

Your involvement and Enthusiastic input have been instrumental in shaping our collective impact. Your commitment to making a difference is truly inspiring.

On behalf of my family at home and at the office, I extend my great appreciation for your input in selecting these charities.

To our American friends, I would like to wish you and your family a Happy Thanksgiving. I hope you get to spend some quality time with the ones you love.

With sincere gratitude and warmest regards.

 Yours truly,

 Karim

 Karim F. Visram CFA: CPA; CFP; FMA | Portfolio Manager,

 KARIM VISRAM PRIVATE WEALTH MANAGEMENT GROUP

 RBC Wealth Management, RBC Dominion Securities Inc.

 T. 416-956-8888 | T.1-800-561-6431| F.416-956-8803

 www.karimvisram.com

 LinkedIn

RBC Dominion Securities Inc.

November 1, 2023

I hope this email finds you and your family well and in good spirits as we approach the holiday season. My family (at work and at home) and myself, cherished the tradition of hosting a Year End Christmas party to celebrate the year's successes and spread holiday cheer. However, this year again, due to overwhelming feedback we have received from you all, I will be taking a different approach by making a positive impact on those in need.

In lieu of our traditional Christmas party, I will personally (not RBC) allocate the budget to support charitable causes that hold a special place in the hearts of our cherished clients. As the year end Party was primarily for us all to celebrate together, your input is invaluable in making this decision.

I warmly invite you to share your suggestions on which charities I should consider for our holiday donations. Your recommendations will play a crucial role in ensuring that my contributions align with the values and causes that matter most to you.

Please send your suggestions directly to me at Karim.Visram@RBC.com by November 30th. We will pick the top five charities submitted.

I am sincerely grateful for your participation in our annual tradition of giving back. I am genuinely excited to see the positive impact we can make together this holiday season.

Thank you for being a part of this meaningful change in our holiday tradition. Your contributions to this effort will make a significant difference in the lives of those less fortunate, and we (Team Karim and family at home) could not do it without you.

Wishing you a joyful holiday season filled with warmth and happiness.

 Warm regards,

 Karim

 Karim F. Visram CFA: CPA; CFP; FMA | Portfolio Manager,

 KARIM VISRAM PRIVATE WEALTH MANAGEMENT GROUP

 RBC Wealth Management, RBC Dominion Securities Inc.

 T. 416-956-8888 | T.1-800-561-6431| F.416-956-8803

 www.karimvisram.com

 LinkedIn

RBC Dominion Securities Inc.

Where there’s a Will, there’s a way:

Canadian Perspectives on Estate Planning

Actionable advice to overcome obstacles to complete your estate plan

Presented by RBC Wealth Management Canada

Tuesday, October 24, 2023 | 1:00 p.m. ET

As we have talked about this issue many times before, having an up-to-date Will and powers of attorney are the cornerstone of an effective estate plan. Yet, a recent report published by the NIA in collaboration with RBC Royal Trust notes that the majority of Canadians do not have these key documents in place, despite the potential consequences to yourself and your loved ones.

Join us to understand how you and your family can overcome the barriers we face when planning our estates. The panel dispels the widely held myths associated with estate planning and discusses how to approach difficult end-of-life/estate planning conversations in a compassionate way and the actions you can take at any stage of life to complete your powers of attorney, Wills and estate plan.

Speakers:

Moderator:

Naomi Powell, Managing Editor, Economics and Thought Leadership RBC

Panelists:

To participate in this virtual event:

• Click on the "Register" button above. 
• This event is taking place on the BrightTALK platform. If this is your first BrightTALK event, you will need to provide your name, email and password of choice. Please ensure to set your time zone and your email preferences.

I hope you can join us for this event. Feel free to forward this invite to anyone who you feel may benefit for listening to these discussions.

Should you have any questions, please feel free to email us at TeamKarim@rbc.com or call my office at 416-956-8888.

Warm Regards

Karim 

Navigating the cyber universe:

How to protect yourself in a tricky online world

Tuesday, June 27, 2023

10:00 a.m. – 11:00 a.m. PT
11:00 a.m. – 12:00 p.m. MT
12:00 p.m. – 1:00 p.m. CT
1:00 p.m. – 2:00 p.m. ET
2:00 p.m. – 3:00 p.m. AT

I wanted to invite you to a very important presentation we are having. Protecting your assets is a central part of any wealth management strategy. While most of us plan for the usual threats – taking precautions such as installing home-security systems and working with trusted advisors – not all of us are as vigilant when it comes to the possibility of becoming targets or victims of cybercrime.

Join us for a timely and informative discussion featuring Adam Evans, RBC Vice President Cyber Operations & Chief Information Security Officer, hosted by David Agnew, Chief Executive Officer, RBC Wealth Management Canada. Adam and Dave will discuss security in the cyber universe today, including key threats and scams, how RBC Wealth Management works to protect you and your wealth, and the steps you can take to protect yourself while online. This is a very important topic and as such I hope you and other family members will attend this presentation. If you have any questions, please feel free to call any member of my team at 416-956-8888.

Thanks,

 Karim

December 9, 2022

After a tremendous response over the past month, it is with great pleasure I announce that the top charities picked this year by you were:

1. CAMH

2. Daily Bread Food Bank

3. Covenant House

4. Make-A-Wish Foundation

As a reminder, this donation is being made in place of our annual Christmas Brunch that we had prior to Covid. This is the third year we have made these donations instead of having the celebration. I would very much appreciate if you can participate in a short survey at the bottom of this note and provide feedback on what we should do in 2023. Should we continue with these annual charitable donations or resume our Christmas Brunch in 2023?

Since there were many other very worthwhile charities that were chosen by you, I have decided to donate to the Top 4 instead of the Top 3 as was originally planned. All charities are worthwhile, especially at this time of the year, as the need is so great. I wish we could donate to all of them.

In addition to the charities above, I have also donated to Focus Humanitarian Canada and Friends of Amani Canada throughout the year as I have personal connections to these charities. Total Donations I have made this year again is approximately $50,000.

I thank you all for helping us choose the charities and for giving us feedback below. On behalf of my family and team, I would like to wish you and your families a very happy holiday season and a joyous New Year. Please stay safe.

Warm regards,

Karim

What should we do in 2023?

I value your opinion and would like your input on what we should do next year.

Please send me your opinion here with your opinion.

In conversation with Noah Booth

A Rich Future: Essential Financial Concepts for Youth

Presented by Family Office Services,
RBC Wealth Management Canada

Wednesday, October 26, 2022 | 12:30 p.m. – 1:00 p.m. ET

Earning and saving, investing, budgeting and spending, credit and debt — when
it comes to learning about financial topics, an early start can help set the stage
for building strong money management skills and confidence in financial
decision-making throughout your life.

Join us to hear about Noah’s passion for personal finance, his motivations to
write a financial literacy book that would help other kids and teenagers,
and key concepts every young person should know about to help in building a successful financial future.

This will be a great discussion for your children or grandchildren to register and listen to. There is nothing better for one’s financial success than to starting early.

Please feel free to send this invite to any youth or anyone you know who may benefit from this discussion.

Please call my office at 416-956-8888 if you have any questions.

      

Speakers:

Stephanie Dean, BA, CFP, CIWM, FCSI

Manager, Financial Literacy

Family Office Services, RBC Wealth Management Canada

Noah Booth

High School Student,

Author of: A Rich Future: Essential Financial Concepts for Youth

To participate in this virtual event:

• Click on the “Register” button above.
• This event is taking place on the BrightTALK platform. If this is your first BrightTALK event, you will need to provide your name, email and password of choice. Please ensure to set your time zone and your email preferences.