Entries by Terry Greenard

The stock market through 90 years of concern and fear

Ever since the stock market was first introduced, investors have been concerned about declining markets. It’s only natural. In fact, there hasn’t been a single year since the Great Depression during which world events have not impacted investor sentiment. When the dust has cleared, however, financial markets have always found a way to survive some […]

Equities often have higher yields than fixed income

Fixed income is often used to describe a category of investments that provide investors with income that one purchases to receive income. Some examples of fixed-income investments include Canada savings bonds, Canada premium bonds, government bonds, treasury bills and corporate bonds. These types of fixed-income investments generate income payments that the purchaser would know in […]

The snowball effect on net worth

Over the years I’ve had many people ask me for advice for someone wanting to improve their financial position. Below are a few of the concepts of how people generate wealth over time. These may seem like elementary concepts but can be valuable for someone new to investing. Savings trumps investing The first concept I […]

Placement of investments in registered, non-registered accounts

All income and growth within Registered Retirement Savings Plans (RRSPs) and Registered Retirement Income Funds (RRIFs) are tax deferred. Tax will only apply when amounts are withdrawn from these accounts. Registered accounts To illustrate, a client may have contributed $300,000 to an RRSP over 20 years with annual cash contributions (20 years x $15,000 per […]