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What to do when financial advisors doesn’t live up to their promises + MORE Mar 29th
Q. My husband and I had a combined investment portfolio of about $750,000. We agreed to a 0.75% fee to our advisor, which amounted to $5,600 last year. Despite that cost, our portfolio is now worth $732,120. This advisor claimed that 4% was his expected gain for us, and he has fallen far short. Any .... More »
How to stay the course with your retirement plan during market volatility + MORE Apr 8th
Three days of wild market volatility sparked by U.S. tariffs is enough to cause any investor stress, but for those in retirement, the plunge can be extra difficult.
Markets have taken a nosedive after U.S. President Donald Trump’s announcement of sweeping global tariffs last Wednesday (April .... More »
25 personal finance highlights from the last 25 years + MORE Oct 15th
Over the last 25 years, personal finance in Canada has transformed enormously. Major economic shifts, new technology and evolving consumer behaviour have led to new policies and events. Here are some of the most interesting personal finance developments in the last two and a half decades:
.... More »
Should RRIF withdrawals be based on the younger spouse’s age? Nov 8th
I am wondering about the minimum RRIF withdrawal calculation. We are wondering if it would be beneficial to use the younger spouse’s age to result in a lower annual combined income. Can you explain the reasoning behind this?—Bernie
When can you convert an RRSP to a RRIF?
Registered retirem.... More »
Home Capital: Finance billionaire Smith bets Canada’s housing slump won’t last - BNN Bloomberg Nov 21st
Home Capital: Finance billionaire Smith bets Canada’s housing slump won’t last BNN BloombergAlternative mortgage lender Home Capital to be bought by Smith Financial for $1.7-billion The Globe and MailHome Capital's current share price worth below $30/share is a worse case s.... More »
Dividend growth expected to slow in 2019
– moneysense.ca
For the last several years, investors have been generating decent incomes from owning dividend-paying stocks. When interest rates plummeted to record lows, and making money in GICs and other fixed-income instruments became difficult to do, investors started flocking to yielding equities, while companies began issuing more dividends too.
While these payments have been a boon to total returns, especially as stock prices have continued to rise, according to one company, dividends increases are expected to slow in 2019. IHS Markit, a London-based research firm, says that aggregate dividends among globally listed companies will rise by 6% this year, down from 14.3% in 2018 and 9% in 2017.
Many dividend investors like owning companies that increase their payments annually, so if fewer companies are growing their payouts then that could mean fewer opportunities to increase total returns. But it’s not a surprise to see businesses taking a more conservative approach this year than in the past…
While these payments have been a boon to total returns, especially as stock prices have continued to rise, according to one company, dividends increases are expected to slow in 2019. IHS Markit, a London-based research firm, says that aggregate dividends among globally listed companies will rise by 6% this year, down from 14.3% in 2018 and 9% in 2017.
Many dividend investors like owning companies that increase their payments annually, so if fewer companies are growing their payouts then that could mean fewer opportunities to increase total returns. But it’s not a surprise to see businesses taking a more conservative approach this year than in the past…
