You’ve been diligently saving in your registered plans over the years and are now prepared to reap the benefits of the investments you’ve built. Here is how your RRIF withdrawals work.

Rather than relying solely on headline index performance, this environment reinforces the importance of diversification, disciplined positioning, and understanding where risk is actually building beneath the surface.

Throughout your life, your investment is protected in the event of bankruptcy or lawsuit, provided your beneficiary is an immediate family member.

Technology may lead one cycle, while financials, industrials or international markets lead another. The purpose of diversification isn't to predict which will be next—it's to build a portfolio that can participate as opportunities rotate.

When capital becomes more expensive, fundamentals become more important. Markets feel the pressure of interest rates. Value is ultimately tested by fundamentals.

We naturally prefer talking about where we are going rather than examining exactly where we are standing, because the future contains possibility while the present contains numbers, obligations, limitations, and sometimes financial realities

Annuity laddering gives retirees guaranteed income that evolves with them through the activation in stages across decades. Learn how staggered annuities replace the pension most Canadians will never have.

Intentionally build retirement assets and eligible income streams so that less of the household’s future income becomes concentrated in the hands of the higher-taxed spouse.