Not sure how to make a retirement plan? Read on…
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Nicholas Hui, P.Eng, Certified Financial Planner + MORE Mar 22nd
Who is Nicholas Hui?
Nicholas Hui was an automotive engineer for 20 years before becoming a Certified Financial Planner. He brings the same systematic approach from his engineering background to his practise now as an advice-only planner. Nicholas specializes in helping young families and profess.... More »
Stock news for investors: Groupe Dynamite reports strong Q4, adjusts 2025 outlook Jan 17th
Here’s a round-up of news for Canadian investors this week.
Groupe Dynamite
Lululemon
Kinross Gol
Featured RRSP Accounts
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EQ Bank
Build your retirement savings with 1.5.... More »
What’s involved with an owner withdrawal of cash from a corporation + MORE Dec 7th
I work as a self-employed IT contractor. I am incorporated. Over the years I have accumulated about $100,000 in my business account, over and above what I need to carry operating expenses. I am about five years out of retirement, maybe less than that if I go for a semi-retired approach. I would like.... More »
Financial hardship withdrawal exceptions and increasing income in retirement + MORE Apr 4th
Ask MoneySense
I am in B.C., Canada. I moved my LIRA into a LIF two years ago. I have taken the maximum annual withdrawals for each year. I thought it’d be smart to start taking it. How can I get more out of it? I need the funds to help deal with bill payments. All my monthly i.... More »
Do you actually need a financial advisor in your 30s and 40s? May 9th
At some point, most Canadians are told they need a financial advisor. But is hiring one really necessary when you’re in your 30s and 40s, or can it wait until you’re closer to retirement?
Like a lot of financial advice, the answer depends on your personal circumstances; it’s less about yo.... More »
How much real estate should you have in a balanced portfolio?
– moneysense.ca
When investors talk about income-producing assets, the first that come to mind are dividends and interest, with capital gains a close third. But what about investment real estate? If you hold an asset allocation ETF, it will be chock full of stocks and bonds but offer little real estate exposure apart from a few publicly traded real estate firms.
How much should real estate comprise in a balanced portfolio? While a principal residence certainly will be a big part of most people’s net worth, personally I don’t “count” it as part of my investment portfolio even though it can ultimately serve as a retirement asset of last resort, via home equity lines of credit (HELOCs), reverse mortgages or simply an outright sale when it’s time to enter a retirement or nursing home. If you take that approach, and many of my advisor sources do, then the question becomes how much real estate should you have in your investment portfolio, above and beyond the roof over your head?
With Canadian housing prices soaring since the pandemic, those fortunate enough to have investment real estate may well be overweight the asset class…
How much should real estate comprise in a balanced portfolio? While a principal residence certainly will be a big part of most people’s net worth, personally I don’t “count” it as part of my investment portfolio even though it can ultimately serve as a retirement asset of last resort, via home equity lines of credit (HELOCs), reverse mortgages or simply an outright sale when it’s time to enter a retirement or nursing home. If you take that approach, and many of my advisor sources do, then the question becomes how much real estate should you have in your investment portfolio, above and beyond the roof over your head?
With Canadian housing prices soaring since the pandemic, those fortunate enough to have investment real estate may well be overweight the asset class…
