The goal of saving for retirement is to supplement the income you'll receive from government pension plans (like the Régie des rentes du Québec and the Canada Pension Plan) and private pension plans (former employers) to maintain your lifestyle after retirement.

On July 12, the Bank of Canada hiked its benchmark interest rate, recognizing the strength of our domestic economy and tightening monetary conditions for the first time since September 2010. This was followed by a second increase on September 6, 2017 confirming the trend. Investors should bear in mind the impact these rate hikes could have on their portfolios.

Investing isn’t the place to improvise. Having a good game plan can help you reach your goals, while helping you avoid an investor’s worst enemy: emotion!

How can you get the most out of your investments? How can you tell the difference between a good investment and a bad one? Here is some advice.


Canadian home prices have skyrocketed over the past 12 years. During this period, you may have seen a better rate of return on your home than on a balanced portfolio composed of stocks and bonds. Does that mean that your home is your best investment? You can't count on it—let's take a look at the reasons why.

The advantage of financing a car is that eventually you'll pay it off and enjoy debt-free car ownership. That's why buyers are willing to pay more per month to own than to lease. But many car owners have veered off course.

You shouldn't assume furniture or appliances are included when you purchase a new home. You may find a home more appealing because of these items, but the sellers may want to take them when they move out, or they might return them if they were borrowed or rented to stage the home.