How to reduce your taxes and enjoy more of your retirement?
When retirement begins, most people picture themselves finally enjoying the fruits of their labor. Yet, one persistent guest always shows up: the taxman. Withdrawals from a Registered Retirement Income Fund (RRIF), pensions from former employer plans, or government benefits, all of these are taxable and can quickly shrink your net income. The good news? Several […]
How a portfolio manager makes investment decisions?
Portfolio managers at renowned firms such as iA Global Asset Management or Fidelity play a strategic role in growing investors’ wealth. Their investment decisions are never left to chance, they rely on a combination of rigorous analysis, a well-defined investment philosophy, and disciplined methodology. Their ultimate goal is to generate returns that outperform a benchmark […]
Inflation 2025: Where do we stand?
As we enter the second half of 2025, one question is on the minds of many Quebec households: will the cost of living finally stabilize? After years of high inflation and restrictive interest rates, the latest data from Statistics Canada suggests some easing. Yet beneath the overall numbers, concrete realities remain, particularly when it comes […]
Why having a retirement plan makes all the difference?
Many people spend years accumulating savings, contributing to an RRSP or TFSA, or paying off their mortgage, hoping they’ll have “enough” for retirement. But hoping is not planning. Without a clear plan, there’s a real risk of running out of income, overspending, or conversely, depriving yourself unnecessarily. A well-designed retirement plan turns uncertainty into confidence. […]
Credit score downgrades in Quebec: causes, context, and impacts as of april 2025
Quebec’s credit rating was downgraded in April 2025, which may raise concerns. Rating agency Standard & Poor’s (S&P) lowered the province’s financial evaluation, the equivalent of a “credit score” for a government, citing weakened public finances. But why did this downgrade happen, and what does it mean? Here’s the explanation. Record deficits behind the downgrade […]
What you need to know to file your 2024 tax return in Quebec
Tax season is here! In 2025, Quebecers must file their 2024 tax returns. Whether you’re an employee, self-employed, a property owner, or a parent of children with special needs, preparation is key. Here’s a guide to the main deadlines, the documents you’ll need, and what’s new this year. Important deadlines April 30, 2025: Deadline to […]
No, scattering isn’t a diversification tool
Many people believe that having investments spread across multiple institutions or financial products is a winning strategy. In reality, this scattering can be costly and undermine the effectiveness of your financial plan. Diversification is essential, but haphazard scattering has nothing to do with thoughtful portfolio management. Understanding scattering Scattering occurs when your assets are spread […]
5 financial resolutions to adopt in 2025
The start of the year is the perfect time to make resolutions, and your finances should be no exception. Here are five simple but powerful resolutions you can adopt right now to improve your financial health in 2025. Cut unnecessary expenses Review your current spending Take the time to go through your bank statements and […]