March 30, 2006
Guest: Vince Gaetano, vice president, MonsterMortgage.ca
Carl Gomez, economist, TD Bank Financial Group
Peter Vukanovich, president and CEO, Genworth Financial Canada
Topic: Canada’s Housing Market. Bubble or Soft Landing?
Quick Tip: Peter's Tip:
You can buy a home with as little as a 5% downpayment with Genworth Financial Canada's homeownership solutions.
Vince's Tip:
If you increase your mortgage payment every year by the inflation rate, you will save thousands of dollars in interest over the life of your mortgage and fully own your home years sooner.
Carl's Tip:
What house prices do over the next 10 or 20 years isn't as important as whether buying a house is the right lifestyle decision. If you can make the payments, prices can fall without a big change to your standard of living.
March 23, 2006
Guest: Richard Croft, author of "Protect your Nest Egg"
Topic: How To Protect Your Nest Egg
Quick Tip: Richard Croft's Tip: The objective of a good financial plan is to maximize the value of your financial resources. Your financial plan must be dynamic as your personal circumstances and economic environment change. Financial planning is an on-going activity and the plan is an evolving roadmap to the achievement of your financial goals.
March 16, 2006
Guest: Don Drummond, Senior Vice President and Chief Economist TD Bank Financial Group
Topic: Quarterly Economic and Commodities Update
Quick Tip: Don Drummond's Tip:
Over time, most after-inflation wealth gains come from the re-investment of dividends.
March 9, 2006
Guest: Ian M. Hull, Partner, Hull & Hull
Adam Shapiro, Principal, Tactical Paradigm Financial Advisory
Topic: Your Lasting Legacy
Quick Tip: Ian Hull's Tip:
It only takes one dissatisfied beneficiary to start estate litigation. That's what the pre-estate family conference is designed to prevent
Adam Shapiro's Tip:
For individuals with “excess” wealth – certain life insurance investment strategies may be the most tax-efficient and worry free way to preserve the value of an estate, facilitate a successful inter-generational wealth transfer and grow capital at an exceptional long-term rate of return.
March 2, 2006
Guest: Marc Levesque, chief strategist, foreign exchange and fixed income research, TD Securities
James Dutkiewicz, vice president and portfolio manager, CI Mutual Funds
Topic: Diversification Beyond Equities – Fixed Income and Foreign Exchange
Quick Tip: Marc Levesque's Tip:
While corporate bonds can increase your returns, make sure you're prepared for the increase in risk.
James Dutkiewicz's Tip:
Rebalance your portfolio regularly and maintain some currency diversification.
February 23, 2006
Guest: Bruce Cooper, managing director and portfolio manager, TD Asset Management
Topic: The Importance of Foreign Exposure in your RSP
Quick Tip: Bruce Cooper's Tip:
Canadian markets have performed well, but investors must look forward. Global markets tend to alternate performance leadership, and other countries are likley to outperform Canadian markets in some years.
February 16, 2006
Guest: Malcolm Hamilton, actuary, Mercer Human Resource Consulting
Topic: To RSP or Not RSP?
Quick Tip: Malcolm Hamilton's Tip:
Canadians should learn how to manage their expenditures and their debts before worrying about saving and investment.
February 9, 2006
Guest: Gordon Pape, author, The Retirement Time Bomb
Topic: Is Retirement a Ticking Time Bomb?
Quick Tip: Gordon Pape's Tip:
Don’t put all your trust in a pension plan. Protect yourself with a personal retirement savings program.
February 2, 2006
Guest: Bill Harris, principal and portfolio manager, Avenue Investment Management
Peter Loach, VP and managing director, Investment Fund Research, BMO Nesbitt Burns
Topic: Where to un-park your RRSP Money
Quick Tip: Peter Loach's Tips:
Avoid the natural temptation to chase performance.
Your RSP is your pension fund so treat it like one. A structured plan is the most important thing, and how you build the core of the portfolio will determine the investment outcome.
January 26, 2006
Guest: Finn Poschmann, associate director of research, C.D. Howe Institute
John Bai, associate vice-president, TD Waterhouse Canada Inc.
Topic: The Economics of Politics: A Macro and Micro Perspective
Quick Tip: Finn Poschmann's Tip:
Count on GST relief. The Conservatives have the practical and moral authority to govern like a majority for quite a while. Don't count on capital gains changes now. And as to planning, think about what you would like to have in a taxable portfolio in 2007 if you could roll over capital gains.
January 19, 2006
Guest: Danielle Park, associate portfolio manager, Venable Park
Topic: ETFs and Technical Analysis. How It All Comes Together
Quick Tip: Danielle Park's Tip:
"Don't lose money!!" It's not about fleeting peaks, its about what you keep. Focus on your risk management discipline, not chasing returns.
January 12, 2006
Guest: Stanley Kershman, lawyer and author, Put Your Debt on a Diet
Daniel Kesselring, author, Dollars to Donuts
Topic: New Financial Resolutions: Money Management Resolutions that Work
Quick Tip: Daniel Kesselring's Tip:
Avoid paying non-tax deductible interest on a depreciating asset (i.e. - credit card interest).
Stanley Kershman's Tip:
Debts are a source of constant worry or anxiety for too many of us, but we don't have to live that way. Setting our goals and deciding how we are going to achieve them is half the battle.
January 5, 2006
Guest: Eric Kirzner, John H. Watson Chair in Value Investing Rotman School of Management
Topic: Psychology and Investing Beyond 101
Quick Tip: Eric Kirzner's Tip:
Focus on the forest, not just the trees: only your portfolio matters!
