Why Invest Through Your Employer?
We manage multiple Group RSP’s and Pension plans at our company, and I am often shocked at how many people are unaware of the benefits of having an Employer Sponsored plan available to them. It is very common for a conversation to include the statement “I invest through my Employer for my monthly matched contribution but I still have (fill in the blank dollar amount) RSP’s at my bank or mutual fund company.”
So that begs the question. Are you better off to leave your other plans separate from your employer plan, or should you consolidate them all into one plan through your work? Read more 
April Monthly Insight
“Striking Buy Signal” …….the U.S. just experienced its fourth inversion in January which suggests that 2015 could be a great year for stocks.
Click here to read more – Monthly Insight – April 2015 – Striking Buy Signal
Pay Attention to Your Beneficiary Designation
It’s more important than you think
Naming a beneficiary is a valuable feature of life insurance and segregated funds policies so it is important to carefully choose your beneficiaries.
Estate – the default choice
Many people choose to name their “estate” as their beneficiary. Although this is an easy short-term solution, it is important to review the risks of doing this. If you are stuck for a significant “other” beneficiary, don’t forget to change it to a more appropriate option later. Why?
- The proceeds will be subjected to probate fees and the benefits received will be co-mingled with all the other estate assets which may be exposed to various third parties.
Travel vaccinations: What to know before you go
By Anna Sharratt, BrighterLife.ca
Alina Valachi hasn’t forgotten her last trip to Pakistan. “My husband contracted malaria two weeks into the trip,” she says. This was despite taking precautions such as spraying their room with pesticides, wearing long-sleeved clothing and applying mosquito repellent. “He was born and raised in Pakistan, and had never contracted malaria — he assumed that he had immunity to the disease,” she says.
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