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By: Paul Bajus 

I don't think it will come as a surprise to any of our clients that we get paid for what we do. Maybe it will for some though, because apparently studies lately have shown that 50% of investors don't know they pay fees at all, while 75% don't understand the fees they pay.  

By: Paul Bajus 

I think we all know that every business requires marketing, and investment management is a business just like any other.  Somehow it seems like the investment business should be held to a higher standard though, and marketing the latest investment du jour shouldn’t be the first order of business.  One of the types of investments currently being marketed heavily are “income funds” or “payout funds”. 

By: Paul Bajus

No, you’re not off the hook to now go ahead and use that money for that European vacation you have always wanted to do.  You should still go ahead and make the contribution, but just don’t claim it until the 2014 tax year.  Why?  Because income tax rates are going up in B.C. 

By: Paul Bajus

After reading an interesting article in the Globe & Mail entitled “How the Big Six Won the Battle Over Wealth” it prompted me to comment.  As someone who is in the industry and obviously has a vested interest in how all the different players fair, it was an eye opener, but not a shock.

By: Paul Bajus

We all know what the benefits are of lower interest rates are for those who want to borrow money. Lower interest rates mean lower mortgage rates, which equates to lower mortgage payments for those buying a house, cheaper credit to finance all sorts of other consumer purchases, and cheaper credit for companies to borrow money for investment in their businesses.

By: Paul Bajus

Although the average person is probably not going to shed a lot of tears knowing that insurers profits are lower because of lower interest rates, lower profits inevitably have a trickledown effect to the actual consumer, and that has started to be the case in Canada if we look at life insurance in particular.

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