Too many investors fear longevity too little – and market volatility too much

 May 15, 2023 |Alan MacDonald
In 1993, the cost to mail a letter in Canada was 43 cents. Today (assuming anyone were to actually want to mail a letter) it would cost $1.07. That’s an increase of just over two a half times, and it’s pretty close to the average inflation in the price...
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How to crash-proof your retirement income

 April 12, 2023 |Alan MacDonald
As I write this article, the latest crisis du jour is the collapse and insolvency of the Silicon Valley Bank. We here in Canada tend to think of our banks as being virtually invulnerable. But as the 2008 banking crisis taught us, even the biggest blue-chip...
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When to take OAS and CPP -another perspective

 March 17, 2023 |Alan MacDonald
We’re all getting older and one of the hot topics for us aging boomers is when to take our OAS and CPP. The rewards for deferring these pensions can be substantial. For CPP, the monthly benefit increases by 7.2 per cent per year for each year you defer...
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An Investor checklist for 2023

 February 27, 2023 |Alan MacDonald
An investor checklist for 2023 The first month of the New Year is officially behind us. Traditionally, this is the time when all our well-meaning resolutions are forgotten until next January rolls around, and our old habits start to rear their ugly heads...
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Too many investors fear longevity too little – and market volatility too much

 September 16, 2022 |Alan MacDonald
In 1993, the cost to mail a letter in Canada was 43 cents. Today (assuming anyone were to actually want to mail a letter) it would cost $1.07. That’s an increase of just over two and a half times, and it’s pretty close to the average inflation in the...
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Market volatility fatigue

 May 17, 2022 |Alan MacDonald
The last two years have been tough for everyone. We’ve been through a once-in-a-100-year pandemic that seems to just keep coming up with new variants. Politics have become more bitter and divisive than ever, with conspiracy theories and fake news flourishing...
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Managing your portfolio only gets tougher after you retire

 December 15, 2021 |Alan MacDonald
For most of us, investing is all about saving money and building as much wealth as we can while we’re still working. But for many investors, the biggest decisions we’ll make in our financial lives come when we finally make the move from accumulating assets...
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How much should a young person save?

 October 26, 2021 |Alan MacDonald
I had a great question from a young client the other day. While the question itself seems simple enough, the answer is far from easy. The client in question is a young professional in her late twenties who is embarking on an exciting career. We talked...
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Are you invested in being right?

 July 26, 2021 |Alan MacDonald
One of the worst bad habits I’ve seen many investors exhibit is a tendency to focus on all the reasons why what they’re doing should work out perfectly, rather than spending any time exploring why it might not. In behavioural finance circles, this is...
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