Fabulous news for BlackBerry! Expanding its association with Amazon Web Services is the news of the day, with the stock jumping 40.0%! BB has been the most underestimated and undervalued stock in the tech world. Before the announcement of this news, BB traded at just...
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Two-month rise in bond yields spike near end of election cycle; what this means for investors
by Aaron Chaze | Oct 22, 2020 | Management Commentary | 0 Comments
We are witnessing surprising strength in US interest rates as US government bond yields jumped across the curve to the highest level since early June. The closely watched 10-year bond rate is now at 0.82% as of October 21, and the 30-year is at 1.62%; up from 0.53%...
April 2020 Market Update
by Aaron Chaze | Apr 17, 2020 | Management Commentary, Market Update, Monthly Newsletter | 0 Comments
State of the Market The immense damage that has been visited on the global economy since mid-March, and the staggering scale of government and central bank response, has changed the very fabric of the global economy. It has also dramatically changed how we think of...
5 Reasons Not to Miss the RRSP Contribution Deadline
by Kimberly Northcote | Jan 29, 2020 | Investing, Investment 101, Management Commentary, Retirement, Tax Strategy | 0 Comments
Nobody likes deadlines, it’s true, but when it comes to RRSPs, there is one important day approaching that we recommend you prepare for: March 2, 2020 is the last day that RRSP holders can make contributions that will count toward the 2019 tax year. In this article,...
Choosing an investment account doesn’t have to be taxing: A comparison of RRSPs and TFSAs
by Kimberly Northcote | Jan 27, 2020 | Investing, Investment 101, Management Commentary, Retirement, Tax Strategy | 0 Comments
Despite having names that imply more of a savings objective, Registered Retirement Savings Plans and Tax-Free Savings Accounts are both excellent vehicles for investing. They can hold many different types of investments, such as GICs, ETFs, common and preferred...
Changing nature of retirement income: why age and risk tolerance are no longer relevant factors
by Aaron Chaze | Oct 7, 2019 | Investing, Management Commentary, Retirement | 0 Comments
Conversations with people heading into retirement reflect the stark reality of perennially low interest rates and the unique challenges to generating retirement income. The entire retirement income paradigm has turned on its head. Not too long ago, retirement meant...
A Primer on Collapsing your Registered Retirement Savings Plans
by Jeffrey Roy | Sep 30, 2019 | Management Commentary, Retirement | 0 Comments
Many Canadians associate celebrating their 71st birthday as the date when certain important financial retirement decisions should be made. While some retirement decisions are irreversible, most can be adjusted as you move along the retirement horizon. You just need to...
Brown Envelopes from the CRA
by Jeffrey Roy | Sep 4, 2019 | Management Commentary | 0 Comments
A letter from the Canada Revenue Agency (CRA) is not a slight of your honesty or integrity. The truth is, Canada’s tax regime is built on the principle of self-assessment. As the CRA cannot review every tax return, it focuses attention on those taxpayers...
Between Consenting Adults; Income Splitting in 2019
by Jeffrey Roy | Mar 13, 2019 | Management Commentary, Tax Strategy | 0 Comments
When discussing personal taxes, most people worry about the amount of tax they pay individually. At Vulcan Investments, we ask clients to consider the amount of tax the entire family pays. With Canada’s graduated rate income tax regime, higher income family members...
Building RSP Wealth at Tax Time
by Jeffrey Roy | Feb 12, 2019 | Management Commentary, Tax Strategy | 0 Comments
Soon all Canadians will be working on their 2018 personal income tax return. Many believe that tax planning is only available to high net worth families using advice from expensive accountants or to individuals that use the services of large wealth management...