NewsletterS

We publish a quarterly newsletter for our clients, on tax, financial planning and investment management strategies. New issues of our quarterly newsletter are only available by subscription.

After three months, we add the most recent issue to our online catalogue of back-issues included on this page.

If you would like to subscribe to obtain a copy of the current issue and automatically receive future issues, please click here.

Page and Associates ltd:

Phone:     905-884-5563

Fax:          905-884-3365

E-mail:     experience@askpage.com

2006/2007 Winter issue

Research results - attitudes of Canadians toward financial planning issues.

Worldsource becomes our deposit broker - service improvements for our clients.

New tax rules - on income splitting of pension income, enhanced age credit etc.

2006 summer issue

Our new corporate logo.

Strategies to reduce income taxes.

Short term investments.

Benefits of self-directed or ‘nominee’ accounts.

2007 FALL Issue

Investment Market Review - 2007 ends with the start of the US Sub-Prime Mortgage debacle.

BCE Share Buyout - What this means to you if you own BCE shares.

2006 fall issue

What’s in a Name - our firm and our dealer partners.

Interest Rates - how they’re determined, future expectations, how to invest for higher yield.

Portfolio Rebalancing Strategies - profiting from market turbulence while controlling risk.

Joint Ownership - the pitfalls of jointly held assets; other estate settlement strategies.

2007 summer Issue

Tax Matters - Careful portfolio construction can lead to a greatly reduced annual tax bill.

The Family Cottage - various strategies for getting the cottage or business asset to the children in the most tax-efficient way.

Your Financial Plan - This article reviews some of the common questions that a proper financial plan can answer, and how our time-tested Wealth Enhancement Process™ can custom-tailor a financial strategy for you.

Worldsource Financial Management Inc. sponsoring mutual fund dealer.

All other services provided by Page and Associates Ltd.

2008 FALL Issue

BCE Share Buyout - Watch out for these tax and other issues if you own Bell Canada stock.

Dividend Income - how the Dividend Tax Credit can enhance your after-tax return.

Managing Portfolio Volatility - negative returns in investment markets can be unsettling. Fortunately there are steps we can take to control volatility, and to manage our own reactions when it does occur.

Variable Annuities - find out how these new investment products can give you all the growth potential of the market, while providing a guaranteed income for life, so you never lose the money you invest.

2007/8 wintER Issue

Working Longer – Views from Sherry Cooper, Chief Economist, Bank of Montreal

Portfolio Management II - 2007 in Review, and how Diversification controls volatility.

Our Office is Moving in March 2008

Income Tax Tips for 2007

2008 summER Issue

Investing for Income - there are many ways to provide income from a portfolio other than GICs. Find out how different strategies compare in terms of guarantees and tax-efficiency.

Portfolio Management III - Security / Investment Manager Selection

The Debate about Global Commodities - exploring the causes of large swings in the prices of oil and other raw materials.

2008 spring Issue

Our Office Has Moved - Our new location at 95 Mural Street

Portfolio Management II - Determining an efficient Asset Allocation across a diverse range of Asset Classes

Financial Planning – New Statistics Canada Study

2008 Federal Budget Review

Income Tax Tips for 2007

2009 SPRING Issue

Financial Planning Assessment - With our Compliments - are you concerned about your financial security? We would be glad to provide you with a customized planning assessment report with no cost or obligation.

Interest Rates and Fixed Income Investments - central bank interest rates are the lowest ever recorded. What does this mean for you if you invest mainly in bonds or GICs?

Critical Illness Stop-Loss - medical advances mean the survival rates have improved for many critical illnesses. But will your financial security survive? Read about the financial impacts of a critical illness and how you can protect your investments and get all your premiums back too!

Recession Recovery - economic ‘news’ is usually delayed several months after it happens, because of delays in reporting. Some measures actually get reported before the real economy changes.

2008/9 WINTER Issue

When Life Gives You Lemons...make lemonade. 2008 was one of the worst investment market years on record, but there are still opportunities to profit even after such declines.

Tax-Loss Selling - if some of your investments are worth less than their cost base, you can sell them to realize the loss, and claim a refund of taxes paid in prior years on capital gains.

Asset Swap - your portfolio may not be ‘tax-optimized’ across registered plans (RRSPs/RRIFs) and your open investments. Learn about tax optimization and why it is easier to get your portfolio to an optimal allocation in a down market.

Tax-Free Savings Accounts - announced in the Spring 2008 Federal Budget, TFSA accounts will be available January 2009. Find out more about strategies this account can enable for you.

2009 FALL Issue - AVAILABLE NOW

The Recession Has Ended? - reviews various economic data that suggests economic contraction has ended and growth will resume in the 3rd quarter 2009, albeit weakly.

Interest Rates - rates have declined again since the Summer edition, but there appears little risk of inflation, so rates ought to be steady. The article explores the impact GIC Ladders and the preservation of capital in the face of reduced interest income.

Investment Markets  - A strong recovery of equity markets is typical after a significant downturn like the one we’ve had. The Canadian market index has rebounded halfway from its March low toward its 2008 high.

TFSA Strategies - The Tax Free Savings Account won’t save you much tax in 2009, but it can save you a bundle over time. Find out why it’s best to start early and contribute the maximum.

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2009 SUMMER Issue

Upcoming Changes to Canada Pension Plan - Changes to CPP were announced this spring. If you are planning to retire within the next 3 to 6 years, you may have some decisions to make.

How Pension Plans Work - Defined Benefit and Defined Contribution Pension Plans have quite different sets of guarantees and risks. Find out more about the different plan types.

How Safe is My Pension? - Many sizeable employers are facing financial difficulty during this recession. Pension plans are supposed to be safe, but can in some cases be impacted negatively if an employer winds up the plan. Read more about these risks and your options.

Investment Fraud - A number of recent news stories have focused on investors who have been victims of identity theft and fraudulent investment schemes. Find out how we’re taking steps to protect you, and what else you can do to protect yourself.