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.
Article: Cryptocurrencies tumble as fears linger
Article: Has the bitcoin bubble burst?
Decline possible – recovery inevitable
Although we don’t see any specific headwinds and in fact the expected strong fourth quarter earnings of companies along with the decrease in US corporate taxes suggest the US market has more upside – we can never get too complacent with equities. Complacence may lead to taking more risk which is exactly what not to do in these markets.
The fund managers I recommend are still able to find value in certain equities. More so these are found outside of North America and Emerging markets.
I include a link to Andrew Pease of Russell Investments “2018 Global Market Outlook: Running with the Bulls”. To summarize, he is not bullish or bearish and feels equity markets may push higher in the first half of the year and face headwinds in the latter part of the year.
Article: 2018 Global Market Outlook:Running with the Bulls
For those withdrawing from their portfolio’s
We have reviewed portfolio’s and are ensuring sufficient allocation to fixed income so in the event of a dramatic market decline we would recommend switching withdrawals to fixed income to ride out the decline and recovery.
For those investing for their retirement
A market decline would be welcome as shares would then be purchased at lower prices. I would review portfolio’s and contact you to suggest making your investments earlier than planned to take advantage of the sale.