The Canada Pension Plan (CPP) and Old Age Security (OAS) are hot topics for those entering their 60’s. A common question that comes up when we meet with those looking ahead to retirement is: When should I begin taking my CPP and OAS benefits? In this two-part series we will shed light on CPP and OAS separately, as well as provide some guidelines for when you should apply to receive benefits from these programs.
Capstone Asset Management
Growing trade tensions, Brexit negotiations, Germany's slowing economy, inverted bond yields and a stalling housing market. These are just some of the factors that created a noisy first quarter in 2019.
As the deadline for RRSP contributions looms ahead, I have noticed more advertisements around local banks marketing RRSP loans. In theory, it sounds like a good idea to use a loan to contribute to your RRSP, thus triggering a tax deduction while enabling you to save for retirement. However, there are a few things to keep in mind when considering a decision like this.
Investors were subjected to a dramatic drop in the North American stock markets as 2018 drew to a close. Many factors contributed to this volatility, such as rising interest rates, Canadian oil price declines, trade tensions, and concerns about slowing global growth. In this year-end edition of Investors' Journal take a look at the economic review for 2018, and read about changes to Capstone's Traditional Equity Pool.
The financial FIRE movement is spreading quickly. If you are new to this hot topic, read on to learn more about it.
Steady and stable progress has been the theme throughout the latest quarter in both Canada and the United States. In this edition of Investor's Journal we will provide you with an economic update, as well as give you a glimpse into the way we choose new investments.
An annuity is an insurance policy that guarantees a series of payments for life. The payments are composed of capital, insured capital and interest. The purchase of an annuity may be something to consider if you are worried about longevity risk, but first…read the fine print.
Are you able to describe the different risks that can influence your portfolio? In this edition of Investors' Journal we will describe those risks, as well as provide you with a market update and recent changes to our team.
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