Pensions: An Introduction

What we often think of as a pension is actually a specific subset of a pension called a defined benefit (DB) pension. In addition to DB pensions, there are also other pension plans such as defined contribution pensions (DC) and hybrid or cash balance plans. Read on for more details…  Defined Benefit (DB) Pension A Read more about Pensions: An Introduction[…]

Your RRSP: The Key to Your Retirement

The Registered Retirement Savings Plan (RRSP) does not eliminate taxes; it defers them. What does that mean? In our ongoing blog, we recently covered how a Tax-Free Savings Account (TFSA) can help your investments grow by shielding them from taxes. An RRSP, also protects your investments from taxes, but does it in a subtly different Read more about Your RRSP: The Key to Your Retirement[…]

The Shiller P/E Ratio

The Shiller P/E (price to earnings) ratio is one of our favorite fundamental valuation metrics. Unlike technical indicators, which are typically based only on stock prices and volumes, fundamental metrics take into account actual data from the company associated with the security, such as corporate revenues, earnings, assets, etc. Many investors feel that over time, Read more about The Shiller P/E Ratio[…]

Indices vs. Index Funds vs. Exchange Traded Funds (ETFs)

One question that we get asked a lot is, “What is the difference between an index, an index fund, and an exchange traded fund (ETF)?” The short answer is that you cannot buy an index (it is a formula to value a market) but you can buy an index fund (which typically trades like a Read more about Indices vs. Index Funds vs. Exchange Traded Funds (ETFs)[…]