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This 10-part retirement blog serries is designed to dispel some myths and assumptions
many seniors & retirees often have around investing in this era of low interest rates.


Canadians Are Living Longer. What Does This Mean For Your Portfolio?

Canadians Are Living Longer. What Does This Mean For Your Portfolio?

Life expectancies in Canada have been on the rise for the past few decades. The latest Statistics Canada report reveals the average life expectancy is now 80 for men and 84 for women. Put another way, that means we should be preparing to live 15 to 20 years beyond our last day of work. This is great news made possible by increased awareness about the importance of eating healthy and exercise as well as life-saving health care innovations. Even better, it’s happening at a time when we have more access to knowledge and data than ever before – thank you Information Age.

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Are Your Investments Keeping Up With Inflation And Taxes?

Are Your Investments Keeping Up With Inflation And Taxes?

“At least I’m not losing any money.” That’s a common refrain I hear from people who have chosen to invest in Guaranteed Investment Certificates (GIC). But is that actually the case in this historically low interest rate environment? In a word, No. People often forget to account for inflation and taxes when thinking about their investments and it’s a costly mistake.

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Did You Know That People Who Work With Financial Advisors Make More Money?

Did You Know That People Who Work With Financial Advisors Make More Money?

It’s no secret that market volatility has many investors concerned about how to best protect their wealth. According to research commissioned by the Investment Funds Institute of Canada (IFIC), it’s also true that investors working with trusted financial advisors are better equipped to weather those fluctuations and come out ahead, regardless of income levels. Not surprisingly, this same research reveals investors working with financial advisors are more confident that they will be able to afford the retirement they’ve worked so hard to achieve.

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Protect Your Investment Assets

Protect Your Investment Assets

You’ve worked hard all your life to build up your investment portfolio in preparation for retirement. What’s the most important question now for many retirees – how do you not only protect your investments, but also pass them on to the next generation in the most efficient way? While there are many places to gain knowledge and get educated on the answer to this question, there are four areas that are critical:

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Avoid These Top Mistakes Retirees Make When Investment Planning

Avoid These Top Mistakes Retirees Make When Investment Planning

Thinking About Retiring? Making the right investment decisions as a retiree is critical because those investments will provide you with income during retirement. Try to avoid these top four common mistakes that expose retirees to the very risks they are trying to avoid. Here in no particular order are the top mistakes and how to avoid them:

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What Do You Want Your Money To Do For You In Retirement?

What Do You Want Your Money To Do For You In Retirement?

The answer to this fundamental question is what will allow you and your investment advisor to design the ideal portfolio for your retirement. While many financial institutions and advisors rely on ready-made portfolios based on risk tolerance, I believe there is a fundamental difference between an advisor asking you what you need versus telling you what they can offer. With my clients, I want to know what they are looking for and will always tailor a portfolio designed to achieve their specific financial objectives.

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The Art of Creating a Portfolio for Retirees

The Art of Creating a Portfolio for Retirees

Over the last few years, creating portfolios specifically tailored to the needs of retired investors has become more complex. The days of buying an investment and holding it for the long term are long gone. With volatility as prevalent as it is today, and with all the different risks that can influence investment decisions, retired investors have to be very focused on having the right investment mix for their portfolio.

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Estate Planning: Passing Wealth From One Generation To The Next

Estate Planning: Passing Wealth From One Generation To The Next

The single largest intergenerational wealth transfer in human history is about to take place. Over the next 40 years, baby boomers will pass an estimated $40 trillion to millennials. How you transfer that wealth is critical--particularly if your goal is to ensure that the maximum amount possible makes it to the next generation. That’s where a tax-smart estate plan comes in. The whole idea behind estate planning is to minimize the tax when passing on wealth. One tax that is avoidable is probate tax. Steps like making your non-registered plans jointly held with a spouse or children and designating beneficiaries to registered plans will allow these assets to transfer without triggering probate.

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Can Buy & Hold Still Work For Retired Investors?

Can Buy & Hold Still Work For Retired Investors?

For many retirees, one of the first investment strategies they likely ever heard was the ‘buy-and-hold approach to investing. You will likely remember this simple concept – people purchase investments and hold them for an extended period of time, riding through the ‘ups and downs’ of the market. Investors are assured not to worry about the peaks and valleys because over the long term, the value of the stock will go up. It’s a very passive strategy and can work very well in good markets. But in difficult markets, it doesn’t always work.

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Active Investing Is Key To Worry Free Retirement

Active Investing Is Key To Worry Free Retirement

I’m sure a number of you are finding retirement different from what you expected. It’s always interesting to compare the world we live in with the world we anticipated it was going to be. Who could have foreseen an era of ultra-low interest rates? While low rates can present a bit of a challenge in terms of growing wealth, they aren’t a show stopper. Part of the key is to avoid being distracted by myths and misperceptions around investing. Don’t let them get in your way. Let’s dispel some myths and offer you some tips:

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