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.

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

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

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

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.

Worldsource Financial Management Inc. sponsoring mutual fund dealer.

All other services provided by Page and Associates Ltd.

2008 FALL Issue

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

Managing Portfolio Volatility - and our own reactions when declines occur.

Variable Annuities - 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 what 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.

2008 summER Issue

Investing for Income - compare strategies in terms of guarantees and tax-efficiency.

Portfolio Management III - Security / Investment Manager Selection

The Debate about Commodities - why the large swings in the prices of oil and raw materials?

2008 spring Issue

Portfolio Management II - Determining an efficient Allocation across Asset Classes

Financial Planning – New Statistics Canada Study

2009 SPRING Issue

Financial Planning Assessment - With our Compliments - We would be glad to provide you with a customized planning assessment report with no cost or obligation.

Critical Illness Stop-Loss - survival rates have improved for many critical illnesses. But will your financial security survive? You can protect your investments and get all your premiums back too!

Recession Recovery - economic ‘news’ is usually delayed several months after it happens, but, some measures actually get reported before the real economy changes.

2008/9 WINTER Issue

When Life Gives You Lemons...make lemonade. Opportunities after a terrible market year.

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 RRSPs and open investments.

Tax-Free Savings Accounts - find out more about strategies this account can enable for you.

2010 SPRING Issue

NEW Improved My Account service on www,askpage.com - outlines the improvements launching April 2010 for our clients who want to access their investment accounts online.

Money Laundering Identification Documents - A review of the evolving requirements for financial institutions to view client identification documents, and ways we can help make these requirements less onerous for our clients.

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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.

2009 FALL ISSUE

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.

2009-10 WINTER Issue

RRSP or TFSA? - Your Personal Assessment - reviews the differences between RRSPs and TFSAs and which may work better in different circumstances.

Economic Outlook and 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 current economic conditions and expectations for the future, with a focus on what types of investments likely provide the best opportunities. We also continue our GIC interest rate study.

2010-11 WINTER Issue

Consumer Debt and Mortgage Rule Changes - Canadian consumer debt levels are at all time highs relative to income. Mortgage rules are becoming more stringent in response..

Case Study—Funding the Cost of Long Term Care - most Canadians will need assistance with their daily activities at some point in their lives. There are several ways to plan for these costs.

2010 SUMMER Issue

Disabled Canadians Can Receive $90,000 in Grants - reviews the Registered Disability Savings Plan (RDSP) available to disabled Canadians, and how the grant mechanism works.

Investing in Bonds - An overview of bonds as an alternative to GICs for ’low risk’ investing, and how better yields can be obtained.

2010 FALL Issue

Are you between 59 and 64 and not yet receiving CPP? - a detailed look at the phase-in of changed to CPP benefits, and how this may impact you if you are retiring in the next few years.

Case Study—Taking more than the RRIF Minimum Payment - conventional wisdom says to take only the minimum from your RRIF to maximize tax deferral. See why this is not always true.

2011 FALL Issue - AVAILABLE NOW

Back to School—Back to Taxes - Summer has officially ended, and even if you’re not heading back to school, it may be a good time to hit the books. Many tax-planning strategies require action before the end of the calendar year, and some research may need to be done to determine how to get the most benefit. Here are a few examples.

Cover Your Life Insurance Needs for Free - More than half of Canadians don’t have enough life insurance to let their families maintain their standard of living. Find out how careful planning can help you decide ‘how much is enough?’ and how you can cover all of your needs for the same premiums you're already paying.

Investment Market Commentary- Our quarterly update on markets and the outlook.

Interest Rate Trends - Our quarterly commentary on interest rates past and future.

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2011 SPRING Issue

Government Pension Reform - this issue has come up a few times in election campaigning. Some believe government pensions are inadequate and need to be enhanced. Research shows they are adequate except for those who never worked. We believe a modest increase to the Guaranteed Income Supplement for the lowest earning seniors is all that’s needed.

2011 SUMMER Issue

Government Pension Reform - this issue has come up a few times in election campaigning. Some believe government pensions are inadequate and need to be enhanced. Research shows they are adequate except for those who never worked. We believe a modest increase to the Guaranteed Income Supplement for the lowest earning seniors is all that’s needed.

Investment Market Commentary- Our quarterly update on markets and the outlook.

Interest Rate Trends - Our quarterly commentary on interest rates past and future.