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Helping Canadians with Personal Finance Since 2006

Posts by Ed Rempel

How Come I’m Not Rich?

Editors Note:  This article was originally posted in 2011, but still highly relevant. “90% of putts that are short don’t go in.” – Yogi Berra Why are some people able to become wealthy relatively easily, when most people struggle with their finances? In Canada, about 1 person in 50 is a millionaire and in the…

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Are you too focused on Risk Reduction vs. Growth?

A few years ago, we held a client event that highlighted the difference between how different types of investors think. I had invited my favourite hedge fund manager and my favourite growth fund manager. It was the contrast in their thinking that I found fascinating. The hedge fund manager was the true hedge fund type…

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How to Read and Understand Business News

Do you ever read the business news and find yourself wondering exactly what you should or shouldn’t believe? Do you find yourself thinking there is a “big picture” behind the story and you just don’t know what it is? And have you ever noticed that at almost any point in time there is an “apocalypse…

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Timing the Market vs. Buy and Hold

After the recent strong stock market gains, I have been asked a few times lately: “What should we do to protect against a possible market downturn? Should we become defensive?” If you could move in and out of the market at the right time, you would obviously increase your returns and avoid some losses. On…

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The Optimal RRSP/TFSA Contribution

Now that we are in RRSP season, you may be wondering “How much should I contribute to my RRSP?” The proper way to figure this out is to identify your “optimal RRSP/TFSA contribution”. This is a key factor in every retirement plan. Most Canadians decide how much to contribute based on the extra cash they…

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