February 2025

To Tariff or Not to Tariff

If there's one good thing about tariffs, it gets economists and ALL people talking.

Can tariffs prevent offshoring? Can they foster critical industries and bolster national security? Do they create jobs? Destroy jobs? Both? The debates will never end.

We all need to review the fact that active managers, who are experienced Professionals with a deep understanding of the market, are running the portfolios and will be actively reviewing the positions and long-term opportunities within those accounts. Remember, these are actively managed accounts and not ETF or Passive accounts which directly reflect the markets. We are very wise to be patient and allow the fund managers to respond to market opportunities.

Let's not forget how the market responded during COVID-19. Fear of the unknown always cause market volatility. However, this also becomes a time when actively managed investments—Mutual Funds and Segregated Funds—can take advantage of sell-offs and deep discounts. We should maintain our plans, stay with the sound investments in our portfolios, and trust the resilience of the market.

ALSO, on January 21, 2025, the Honourable Dominic LeBlanc, Minister of Finance and Intergovernmental Affairs, announced that the federal government is deferring—from June 25, 2024, to January 1, 2026—the date on which the capital gains inclusion rate would increase from one-half to two-thirds on capital gains realized annually above $250,000 by individuals and on all capital gains realized by corporations and most types of trusts. The capital gains inclusion rate represents the portion of taxable capital gains.

If you have any questions or want to review your accounts, please don't hesitate to call us. We are here to help and would be happy to schedule a meeting to discuss your financial management.


Have you ever thought, "I'll start saving next month" or "I'll get serious about my financial strategy next year"? If so, you're not alone.


Procrastination is something we've all been guilty of at some point. However, when it comes to your finances, the costs of waiting can be much higher than you think. Let's explore three ways financial procrastination can quietly derail your dreams: buying a home, traveling the world, and enjoying a comfortable retirement.


Difficult House Transitions - Buying a home is a significant milestone, but financial procrastination can make the dream of homeownership feel like a distant mirage. If you delay...

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Insurance Essentials for Small Business Owners

Starting a small business often begins with a great idea and a desire to build something meaningful.

For many owners, their business isn’t just a source of income–it’s how they provide for their families. But here’s the thing: most small businesses rely heavily on the health, skills, and vision of the owner or a key employee. If something were to happen to that person, the impact on the business, employees, and their families could be devastating.

Unfortunately, many business owners focus so much on reinvesting in their businesses that they overlook a crucial part of their financial strategy–protection against the unexpected. Without a plan for contingencies like illness, injury, or even death...

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The Retirement Dilemma: Part 2

In retirement, most people aim for financial security–but rising costs can make that harder than expected. Let’s talk about it.

Many seniors prefer to invest in "safe" options, but here’s the reality: your expenses don’t stay the same. Costs like hydro bills, property taxes, and healthcare typically climb year after year. So, what’s the plan? Either spend less, dip deeper into your savings, or find a balance between the two.

The big challenge? Making sure you don’t outlive your money!

Tightening the Belt - Cutting back can help, but only to a point. Downsizing your...

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"Real change, enduring change, happens one step at a time.”

Ruth Bader Ginsburg

The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice, in the context of your particular circumstances. This newsletter was written, designed, and produced by AdvisorNet Communications Inc., for the benefit of Wayne Hissa, Investment Funds Advisor with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this newsletter comes from sources we believe reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated.

 

Investia Financial Services

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Ph: (888) 791-4445