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You're trapped by your white picket fence, here's what to do about it
Think your home is your best investment? Think again. Learn why your primary residence could be limiting your financial freedom and how to build real wealth through liquidity, diversification, and better financial planning.
Read MoreGood aim doesn't help if you’re aiming at the wrong target
When markets are rising, risk is easy to ignore. But downturns reveal who’s prepared. We unpack three timeless rules to protect your portfolio before the storm hits.
Read MoreThe question of the century in Canada
Real estate is a major part of many Canadians’ portfolios, but it’s not without risks. This piece explores what drives housing prices, the true costs of ownership, and how real estate fits into a balanced investment plan.
Read MoreCan a million dollars still unlock the good life?
One million dollars used to be enough to retire in Canada. Rising costs and longer retirements have changed that. Understand how financial planning needs to evolve and what today’s retirees should focus on instead.
Read More"Just diversify" is bad advice
Holding too much of one stock can quietly become a risk to your entire financial plan. From IPO windfalls to company loyalty, here’s how Canadians can manage concentrated stock exposure while preserving wealth and reducing complexity.
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The layoff alphabet soup (worth learning)
If you’ve been laid off, your compensation package may include more than just salary. Understanding how to assess equity components like RSUs, PSUs, and ESOPs is key to making informed financial decisions during a complex transition.
Read MoreSet it, forget it... regret it?
Index funds are great for the long-term, but how long is long?
Read MoreHow we approach investing
A data-driven, evidence-based approach using 100+ years of data Our SPOKE framework gives clients a strong idea of what we focus on and prioritize. Selection: There’s a lot of great opportunities in the market that index investing...
Read MoreA major flaw with index investing
The reconstitution effect: a concept that many investors overlook, costing them returns Index investing makes sense in theory: buy an index fund (e.g. S&P500) with potential to grow, sit back, and let it ride for several decades. But,...
Read MoreBeating the market: a sensible approach
Many prospective clients often ask, “what can we do to beat the market?” Before they met us, most of them were only focused on getting the best investment returns. I like to analogize...
Read MoreRebalancing: why, when, and how
Keeping your portfolio aligned with what it’s supposed to do for you Rebalancing is meant to be a systematic process - whether passive, or active, it needs to be done frequently and intentionally. Here’s two methods you can use to...
Read MoreWhen is buying real estate a smart decision?
The question of the century in Canada - a question we often get The real estate market always has people feeling FOMO. Prices keep skyrocketing, leading some to jump into buying condos or houses without really thinking it through....
Read MoreShould I pay my debt down or keep investing?
A decision with different qualitative and quantitative considerations When you're thinking about paying off your debt, it's important to look at both the practical and emotional sides. Practical: First, let's talk numbers. If you have...
Read MoreIndex ETFs vs. Active ETFs vs. Mutual Funds
Selecting a type of fund that make sense for your portfolio The differences between these three investments are not usually clear, so let's break it down. Index ETFs: Think of index ETFs as a ride-along with a broad index like the...
Read MoreHow does your advisor actually get paid?
Defining the 3 major models of compensation for advisors The difference between a good and bad advisor can be worth $100,000s over your lifetime. A good advisor is your one point-of-contact for any financial problem you have, all the...
Read MoreIs tax loss harvesting valuable enough to spend time on?
Leveraging tax rules for better post-tax investment returns Let’s say a few stocks in your portfolio have really taken off, and you want to cash in and buy yourself a nice car. The only problem is that if you sell these stocks, you’re...
Read MoreBuilding a portfolio as a busy professional (in Canada)
A three-model guide on how to structure your investments Where do you start? You work hard, and your job takes up a lot of your time. Figuring out the best investments, accounts, and strategies might not be your top priority. So, let's...
Read MoreWhy we built Vijay Wealth
A new generation, full-service advisory firm The wealth management industry serves two types of people well today: (1) The first is the ultra-high-net-worth ($50M+), who can get their own dedicated team of professionals at any major...
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