Episode 56: RESP Withdrawal Planning and Investor Home Market Bias

RESP Withdrawal Planning and Investor Home Market Bias

By JAMES PARKYN & FRANÇOIS DOYON LA ROCHELLE

In this Episode, James Parkyn & François Doyon La Rochelle give a brief overview of how registered education savings plan works and what are the best strategies to tap into your RESP savings most efficiently.

They also drill down into the stock component of your portfolio and on how much global exposure you should have.

Read The Script:

1)   INTRODUCTION:

François Doyon La Rochelle: You’re listening to Capital Topics, episode #56!

This is a monthly podcast about passive asset management and financial and tax planning ideas for the long-term investor.

Your hosts for this podcast are James Parkyn and me François Doyon La Rochelle, both portfolio managers with PWL Capital.

In this episode, we will discuss the following points:

For our first topic, we will review the basics of registered education saving plans (RESP) and withdrawal strategies.

And for our next topic, we will discuss investors home market bias.

Enjoy!

1) RESP WITHDRAWAL PLANNING :

François Doyon La Rochelle: After a short break for the summer, and since it’s back-to-school season we thought that it would be a good idea to give you a brief overview of how the registered education savings plan (RESP) works and what are the best strategies to tap into your RESP savings most efficiently…Read More

Episode 55: Mid-Year Review of Markets and Update on Inflation

Mid-Year Review of Markets and Update on Inflation

By JAMES PARKYN & FRANÇOIS DOYON LA ROCHELLE

In this Episode, James Parkyn & François Doyon La Rochelle review the Market Statistics as of June 30,2023 and update their listeners on Inflation.

Read The Script:

1)   INTRODUCTION:

François Doyon La Rochelle: You’re listening to Capital Topics, episode #55!

This is a monthly podcast about passive asset management and financial and tax planning ideas for the long-term investor.

Your hosts for this podcast are James Parkyn and me François Doyon La Rochelle, both portfolio managers with PWL Capital.

 In this episode, we will discuss the following points:

For our first topic, we will review and comment the market statistics for the first half of the year.

And for our next topic, we will give you an update on inflation.

Please note before we move on to our topics that we will take a summer break. We will be back for our next episode on September 28th.

Enjoy!

1) MID-YEAR REVIEW OF MARKETS :

François Doyon La Rochelle: I will start today with a review of the market statistics as of June 30, 2023. So, after a very difficult year in 2022 when pretty much all asset classes posted big losses, I’m sure our listeners will be relieved and happy to hear that in the first half of 2023 stocks and bonds are generating positive returns. These positive returns are across the board as all the asset classes we follow, except for one, are in positive territory.  As a reminder, you can find our Market Statistics report on our Capital Topics website in the resources section or on the PWL Capital website in our team section. We will provide the link for the market stats on the podcast page…Read More

Links:

-Market Statistics – June 2023 : Market Statistics - Statistiques de marché (pwlcapital.com)

Episode 54: Investing Life Skills for Early Savers

Investing Life Skills for Early Savers

By JAMES PARKYN & FRANÇOIS DOYON LA ROCHELLE

In this Episode, James Parkyn & François Doyon La Rochelle review the latest eBook authored by James Parkyn titled Investing Life Skills for Early Savers.

This eBook is available on the Capital topics website and in our Team’s section on the PWL Capital website and will provide important life skills that will serve early savers on the road of making smart money decisions.

Read The Script:

1)   INTRODUCTION:

François Doyon La Rochelle: You’re listening to Capital Topics, episode #54!

This is a monthly podcast about passive asset management and financial and tax planning ideas for the long-term investor.

Your hosts for this podcast are James Parkyn and me François Doyon La Rochelle, both portfolio managers with PWL Capital.

In this episode, we will review the latest eBook authored by James titled Investing Life Skills For Early Savers.

Enjoy!

1) INVESTING LIFE SKILLS FOR EARLY SAVERS :

François Doyon La Rochelle: In today’s Podcast, we will cover only one Topic which is a Review of the latest eBook Authored by you James titled INVESTING LIFE SKILLS FOR EARLY SAVERS. This ebook is available on the Capital Topics website and in our Team’s section on the PWL Capital website. This has been a major effort and, in our Team, we made a strategic decision a few years back to add Next Generation clients to our Practice which includes the children of our current clients…Read More

Links:

- Investing Life Skills For Early Savers by James Parkyn

Episode 53: The Debate About a Balanced Portfolio of 60% Stocks and 40% Bonds and a Review of the C.D. Howe Report on RRIF Mandatory Withdrawal Rules

The Debate About a Balanced Portfolio of 60% Stocks and 40% Bonds and a Review of the C.D. Howe Report on RRIF Mandatory Withdrawal Rules

By JAMES PARKYN & FRANÇOIS DOYON LA ROCHELLE

In this Episode, James Parkyn & François Doyon La Rochelle discuss a recent report from the C.D. Howe Institute that highlights the need to revamp the rules surrounding Registered Retirement Income Funds (RRIFs) withdrawals.

They also tackle the current debate over the classic way of building a balanced portfolio which is an allocation of 60% stocks & 40% bonds.

Read The Script:

1)   INTRODUCTION:

François Doyon La Rochelle: You’re listening to Capital Topics, episode #53!

This is a monthly podcast about passive asset management and financial and tax planning ideas for the long-term investor.

Your hosts for this podcast are James Parkyn and me François Doyon La Rochelle, both portfolio managers with PWL Capital.

In this episode, we will discuss the following points:

For our first topic, we will review and comment on the C.D. Howe Institute report on RRIF Mandatory Withdrawal Rules.

And next, for our main topic, we will tackle the debate regarding the classic 60/40 balanced portfolio.

Enjoy!

1) REVIEW OF THE C.D. HOWE REPORT ON RRIF MANDATORY WITHDRAWAL RULES :

François Doyon La Rochelle: In our first topic today, we will discuss a recent report from the C.D. Howe Institute that highlights the need to revamp the rules surrounding Registered Retirement Income Funds (RRIF) withdrawals because demographics and economic realities have changed since the rules were introduced. The report from C.D. Howe is entitled “Live Long and Prosper. Mandatory RRIF Drawdowns Raise the Risk of Outliving Tax-Deferred Saving”..…Read More

Episode 52: The New Tax-Free First Home Savings Account (FHSA) and Review of the Credit Suisse Global Investment Returns Yearbook 2023 - Summary Edition

The New Tax-Free First Home Savings Account (FHSA) and Review of the Credit Suisse Global Investment Returns Yearbook 2023 - Summary Edition

By JAMES PARKYN & FRANÇOIS DOYON LA ROCHELLE

In this Episode, James Parkyn & François Doyon La Rochelle revisit the basics of the recently launched Tax-Free First Home Savings Account (FHSA) and give their listeners some planning ideas.

They also perpetuate their annual tradition and review of the 15th edition of The Credit Suisse Global Investment Returns Yearbook 2023, Summary Edition.

Read The Script:

1)   INTRODUCTION:

François Doyon La Rochelle: You’re listening to Capital Topics, episode #52!

This is a monthly podcast about passive asset management and financial and tax planning ideas for the long-term investor.

Your hosts for this podcast are James Parkyn and me François Doyon La Rochelle, both portfolio managers with PWL Capital.

In this episode, we will discuss the following points:

For our first topic, we will review and comment on the recently launched Tax-Free First Home Savings Account (FHSA)

And next, for our main topic, we will Review the Credit Suisse Global Investment Returns Yearbook 2023

Enjoy!

1) THE NEW FHSA

François Doyon La Rochelle: In our first topic today, we will review and comment on the recently launched Tax-Free First Home Savings Account (FHSA). This is a topic that we covered in episode #45 of this podcast back in October 2022 but since then, as of April 1st, the legislation governing these types of accounts has taken effect, so we thought it was a good time to revisit the basics and give you some planning ideas.…Read More