Efficient Markets

Welcome to Episode 32 of Retire Me!

Today we talk about the news from Moderna and Pfizer regarding a possible vaccine for COVID-19, as well as its impact on value stocks.  I give a very brief history lesson on the lead up to the dot com crisis where growth investing was beating value investing, and the 1 year turnaround where value completely dominated growth investing and made up the gap.

From there, I outline an exercise that can help you think about setting goals for your retirement.  Setting goals can be tricky.  You don't want to live out someone else's goals.  So, I hope this visualization exercise helps you in getting started setting your retirement goals.

Send your questions to [email protected].

Show notes will be up shortly on my blog at www.walhoutfinancial/retire-me

Thanks for listening!

Mark

Welcome to Episode 31 of RetireMe!

Today we discuss the 4% rule.  The rule was recently revisited by financial planner Bill Bengen, who now argues that it is more like the 5.5% rule.  I explain how I approach rules of thumb and a sensible way to approach retirement withdrawals.

From there, we spend some time talking about value investing.  Davis Funds put out a great chart in their Fall 2020 report contrasting 2 baskets of stocks - 8 highly profitable but more traditional companies vs. 5 expensive tech stocks.  When it comes to value vs. growth investing, history is on the side of value.

Show notes, transcript, links and charts will be available on my blog this week at www.walhoutfinancial.ca/retire-me .  Remember to send your questions to [email protected] and have a great week!

Mark 

For October we are replaying our most downloaded episodes.  This week we are replaying episode #15!  

We will be back in 2 weeks with a brand new episode and some more announcements.  Thanks for listening!

Remember to send your questions to [email protected]

Thanks!

Mark

Hello, welcome to Retire Me!

For October and November we are replaying our most downloaded episodes.  This week we are replaying episode #1!  

Remember to send your questions to [email protected]

Thanks!

Mark

Welcome to Episode 30

On today's episode, we evaluate whether owning big tech stocks is a good idea.

From there, we discuss the uses of life insurance for retirees.

Show notes will be up on my blog shortly at www.walhoutfinancial.ca/retire-me

Thanks for tuning in!

Mark

Welcome to episode 29 of Retire Me.  And, Happy Labour Day!

On today's show we talk about the current state of bonds as an asset class.  We discuss what is happening in the bond market, expectations for bond returns going forward, and reasons why holding bonds still makes sense for someone approaching or getting ready to start retirement.

From there we continue our series on estate planning and talk about charitable giving strategies.  We walk through the 3 tier charitable tax credit system in Canada, and we talk about why giving a gift of investments may be better than giving a gift of cash.  We finish with some recommendations for retirees looking to make significant charitable contributions in their estate plan.

Show notes and charts will be available shortly at www.walhoutfinancial.ca/retire-me

Have a great week!

Mark

Welcome to Episode 28 of retire me!

Today we explore Gold as an investment.  Specifically, we discuss the three main arguments to hold gold in your portfolio and dig into some data on how accurate those arguments are:

1) Gold as an inflation hedge

2) Gold as something to hold when the world is falling apart

3) Gold as a negatively correlated asset to stocks

I also discuss things you should consider when thinking of adding gold or precious metals to your portfolio.

From there, we continue our series on estate planning, and discuss ways that you can reduce probate and taxes for your estate.

Charts and links will be on my blog this week at www.walhoutfinancial.ca/retire-me

Send your questions to [email protected]

Thanks for listening!

Welcome to episode 27 of Retire Me!

Today on the show:

1) some tax announcements

2) some housekeeping items

3) trusts - how Canadian retirees can use family trusts in their planning

Show notes and links available on my website this week at www.walhoutfinancial.ca/retire-me

Listener Questions:  Send your listener questions to [email protected] and I will feature your question on the show.

Thanks for tuning in!

Mark

Welcome to Episode 26 of retire me!

Today, we discuss the importance of a Will.  We discuss what happens if you don't have one, why a retiree may want to keep theirs up-to-date, and circumstances that retirees face that need to be addressed on their Will.

In our retirement headlines we talk about Greece introducing a 7% flat income tax rates for retirees who move to Greece.

We also discuss an article in the Globe and Mail describing how only 1% of Canadians are deferring their CPP to age 70, leaving lots of future income on the table.

Detailed notes and links will be on my blog this week at www.walhoutfinancial.ca/retire-me

Thanks for listening, and have a great week!

Mark

Welcome to Episode 25 of Retire Me!

Today we kick off a series on estate planning.  While this is not the most fun topic to think about and plan for, it is a critical financial planning step for anyone who owns property and has family members that they would like to take care of in the event something happens to them.

It is commonly procrastinated by many Canadians - only 1/2 of Canadians have wills and only 1/3 of Canadians keep them up to date.  

Today we are going to kick off the series by helping you get organized.  We talk about some of the estate planning strategies that most people can employ, and set up the rest of our series.

I also announce the date of my first Webinar on September 10th.  For the webinar we are going to bring back our favorite retirement couple, Dave and Sue, and walk through some Estate Planning scenarios.  An invite and details to follow in the coming weeks.

Show notes and links will be up on my website this week at www.walhoutfinancial.ca/retire-me

Thanks for listening!

Mark