MoneySense magazine: November 2015 + MORE Oct 8th

MoneySense magazine: September/October 2015
Volume 17, Number 6
Download the MoneySense app to read this issue on your tablet or smartphone starting Aug. 19, it’s free for subscribers!
You can also find issues of MoneySense magazine along with 100+ other titles on the Next Issue app. Start your 30-day free trial now!
Below is just some of what you’ll find inside this latest issue.

2015 Retirement 100

Embracing Risk

Estate of Mind

Editor’s Letter
All things money
Intelligence
The cost of a TFSA reversal, Investing in a down market, Can you trust your debt consolidator & more
Ask MoneySense
By: Bruce Sellery
Portfolio Makeover
By: Julie Cazzin
Home Owner
By: Romana King
Index Investor
By: Dan Bortolotti
Family Profile
By: Julie Cazzin
Retirement
By: David Aston
Smart Spender
The perfect way to say ‘I do’, Exploring the other Europe & more
How I Did It
How I made $1 million by age 33
The post MoneySense magazine: November 2015 appeared first on MoneySense.

If it seems that there is constant negative press about Generation Y and its ability to survive in today’s economy, you’re right. It’s a lot tougher out today for young people to make it financially. Tuition fees are extraordinarily high and continue to climb. Home prices in the Lower Mainland are pretty much unaffordable for most people, and retirement will likely be a thing of the past by the time your kids and grandkids reach age 65. No matter how bleak things look, you still need to encourage them to budget and save. If you are able to, help them financially, albeit responsibly.

Generation Y: Tips from a Financial Advisor on How to Help
1. Give Generation Y money to help them save for their education.
If you are financially able to, direct any child benefits or gifts of money your child receives into a Registered Educational Savings Plan (RESP). Show your kids the power of savings by letting them see their RESP statements and encourage them to put babysitting monies, or other income earned into it…

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Overview
Full Ranking
All-Stars

Pumpkin season is upon us. The squash is being squeezed into morning lattes and put into Thanksgiving pies. Eventually its flesh will be mercilessly carved up for the pleasure of the sugar-starved monsters who roam the streets on Halloween. It’s a frightening time to be a pumpkin.
It’s also a scary one for investors who’ve been spooked by the market’s wild gyrations and are wondering which way it’ll go next. Resource stocks have fallen precipitously and more than a few blue-chip companies have followed them down.
This year’s MoneySense Retirement 100 will help guide you through the graveyard of energy stocks, past haunted mining firms, and to the best income stocks Canada has to offer. In it we grade the largest dividend-payers in the land and provide a wealth of facts and figures on each one…

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Overview
Full Ranking
All-Stars

Search to filter by company, ticker, industry…

Name
Name
Ticker
Industry
Industry Subgroup
Market Cap ($M)
Price (Sept 3, 2015)
Price (Sept 3, 2015)
Dividend Yield
Dividend Yield
Dividend Growth (5Yr Avg)
Price/ Earnings
Dividends/ Earnings
Debt/ Equity
Price/ Cash Flow
Price/ Book
One-Year Total Return
Five-Year Total Return
Grade
Grade

Agnico Eagle Mines
Agnico Eagle Mines
AEM
Metals & Mining
Gold Mining
$6,534
$30.06
$30.06
1.40%
1.40%
16.5%
–
–
29%
8…

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Overview
Full Ranking
All-Stars

The Leaders
The three big banks at the top of the class are the Bank of Nova Scotia (BNS), the Bank of Montreal (BMO), and TD Bank (TD). The first two offer yields of 4.7% while TD pays
3.9% and has a good dividend growth record. They’re joined by insurance firms Great- West Lifeco (GWO) and Sun Life Financial (SLF), which provide yields of 4.0% and 3.7%, respectively. In addition, Genworth MI Canada (MIC) makes the grade and pays a hefty dividend yield of 5.1%. It’s a mortgage insurance firm that trades at only 7 times earnings and 84% of book value due to worries about excesses in the Canadian real estate market…