Amar Pandya understands why investors are so anxious right now. After the market meltdown in the fourth quarter of last year, it’s hard to trust the comeback seen so far in 2019. But instead of focusing on the market swings – and whether the upward trend will stick – Mr. Pandya and his team at Vancouver-based PenderFund Capital ManagementAs the current U.S.
There are two big decisions to make when searching for an exchange-traded fund to track U.S. or international markets –? The index call is a tough one, but sticking to the biggest, most widely followed indexes is usually a good move if you want to keep costs down. Hedging is a guess, though. If the Canadian dollar weakens, then unhedged funds do best. If the loonie takes off, then hedging will protect you from currency-inflicted damage.
adults in their 20s through 40s have less of a presence among contributors to registered retirement savings plans than they did a decade and a half ago . Meanwhile, people aged 55 and up are starting to dominate. It’s too soon to tell if this emphasis on TFSAs and real estate is harmful, neutral or even beneficial for younger adults. What we do know is that hyping RRSPs as a retirement savings vehicle for all is starting to look pointless. They’re much more a tool of people at the apex of their career – high-earning home owners who can easily handle their mortgage and can’t meet their savings and investing needs with TFSAs alone.