CPP contributions by both an employee and the employer will increase by 1% over the next 5 years. A report by the Fraser Institute suggests the return on CPP contributions is about 4.6% based on what pensioners will get and their life expectancy.
Link to Article
Link to Fraser Report on CPP contribution Rate of Return
It’s important to understand the CPP survivor benefit as you can be assured one member of a couple will likely receive it. One of the misunderstandings is that a surviving spouse will receive all of their deceased spouse benefit – this may not be the case.
Link to Article:
Shedding light on the CPP survivor benefit
When clients place their trust in me to manage their long term income assets, they expect me to treat their money with the utmost care and respect. This money is for their long term financial security – it’s to be invested for 30 plus years and is expected to provide an income and legacy.
The managers of the investment funds I recommend for my portfolio’s consider a number of things before purchasing the stock of a company: the long term returns, current asset value of the company, earnings growth rate, management strength and experience, along with the current potential of their market space to name just a few.
Bitcoin, (or block chain technology) and Pot stocks do not meet the criteria of a long term investment. They do not have the history of returns and are simply too new to consider. These are not investments by my definition – and do not offer them.
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