Your rate of return is an important tool for measuring financial progress. There’s more than one way to look at rate of return, including: - the level of investment risk you are comfortable with - the relative performance of your investments - your financial plan and your goals Let’s take a closer look.
How Can I See My Investment Performance and Fees?
Financial institutions are now required to provide more detail for investors on the fees and compensation t...
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A team effort
A great client experience begins with developing a strong internal culture says Michelle Masson, Executive VP and Female Executive of the Year.
Weathering the storm: Staying invested through market volatility
Global news is causing markets to be highly volatile of late. Although it can be difficult to remain calm when markets swing, it does not pay to react to overreact. Stick to your investment plan to ac
The GM Plant Closure: Confessions of an Oshawa kid
On November 25th, GM announced the closure of its Oshawa assembly plant. Oshawa native and Portfolio Manager, Edward Golding explains why and what it means for the Oshawa community.
Renewing relationships post retirement
What the heck is up (or down) with oil prices?
We look at some of the factors behind the sharp plunge in crude oil prices, to identify the risks and opportunities as investors.
Europe's really big (but maybe not so bad) year
Here are some of the key risks and opportunities for investors in the Eurozone for 2019. Plus, the MD investment team highlights a few select portfolio picks in France, Italy and Spain.
Welcome news for some of Ontario’s incorporated physicians
The Ontario government will be adopting federal tax measures to limit small business deduction for corporations based on passive income in response to the federal government’s passing of legislation
When it's time to retire
Many physicians need a shift in mindset to transition to a new phase of lifeWhen the concept of a paid retirement gained traction in the 1800s, most people saw it as a brief period of rest and...
A smart practice: Splitting income to keep more of your money
Income splitting is a tax strategy that allows a higher-income earning spouse to equalize their income with their lower-income earning partner to effectively lower their overall tax bill.
Sector Scan: A hot day in Paris
The risks of climate change are real. Here’s how the power sector and other industries are moving quickly to reduce carbon emissions—and why that’s good news for you as an investor
No big surprise as U.S. Fed holds rate steady
The U.S. Federal Reserve decided to keep their target interest rate range at 2.00% - 2.25%. But we can expect further hikes soon as the Fed makes it clear that economic conditions warrant it.
How to take time off for parental leave, while being a doctor
As a doctor, it’s never easy to know the “right” time to start a family: how will you plan a pregnancy or adoption, take time off with a newborn, and still care for patients and a career?As a...
Pay yourself first: A savings strategy that leaves more in your pocket
Time and cash can be in short supply during the demanding years of med school and residency. When it comes to money, you may find it hard enough just to stay ahead of expenses. So how do you plan...
Sharing the wealth: why it pays to donate private shares to charity in your estate plan
If you are an incorporated physician, you can reduce the tax burden on your estate by donating shares from your private corporation
Automated Investing with MD ExO Direct
MD ExO Direct offers simplified, cost-effective, goal-driven investing that’s entirely automated and online, with access to a dedicated advisory team.
United States Mexico Canada Agreement (USMCA): Meet the new NAFTA
It took 13 months, but Canada, the U.S. and Mexico have finalized the new NAFTA, the United States Mexico Canada Agreement (USMCA).
Biting into Apple’s new iPhones and why we’re still underweight
Investors and enthusiasts alike watched closely as Apple unveiled its latest iPhones. MD Financial Management takes a closer look at Apple’s business and future prospects.
Opa! Greece declares financial independence
Greece finally ends its bailout, symbolizing the end of the European debt crisis. Things are improving but issues like ongoing austerity measures, debt repayment and unemployment still linger.
Retirement Planning Is Not an Exact Science
How do you figure out how much to save for retirement? Financial consultants use a number of assumptions to generate projections in a retirement plan. One of these assumptions is the rate of...
RRSP or TFSA: Which Is Right for You?