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Efficient Markets - Podcast

Inflation - Canada from 1972 - 1982 and Lessons for Investors Today Thumbnail

Inflation - Canada from 1972 - 1982 and Lessons for Investors Today

On today's episode, I am going to spend some time talking about a topic that is on everyone's minds these days - Inflation. I am going to talk about the last time that we saw really high inflation in Canada, how various asset classes responded during those timeframes, what we can take away from that, and the things we can do to protect ourselves against the impact of inflation.

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Friends Don't Ask Friends to Be Executor Thumbnail

Friends Don't Ask Friends to Be Executor

Asking a close loved one or a friend to be your executor may seem like a nice thing to do. Even an honor, that you would trust that person to handle your affairs once you've passed away. Many people agree to be the executor for a family member or friend without thinking twice about it. But, the job of being an executor is a challenging one.

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Digital Estate Planning Thumbnail

Digital Estate Planning

On today's episode I talk about what assets need to be considered in your digital estate plan. I talk about what some platforms are doing to help people do some estate planning themselves within the platform. I explain how to get your estate attorney to help you write language into your estate documents to deal with digital assets. And I talk about some solutions that can help you with efficiency in your planning.

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When Do I No Longer Need Life Insurance? Thumbnail

When Do I No Longer Need Life Insurance?

For professionals or soon-to-be retirees, they may wonder - why do I still need life insurance? In this episode, we dive into this question. We look at the role of life insurance, the different types, when its time to let go of your life insurance policy, and reasons you may want to keep your policy even if you've achieved financial freedom.

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Tapping Into Home Equity to Fund Retirement Thumbnail

Tapping Into Home Equity to Fund Retirement

On today's episode, I spend some time on the topic of home equity. Many Canadian retirees are looking at their accumulated wealth in their homes and thinking of this as a supersized retirement fund. Is this a sensible approach to retirement planning?

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42.  How Much Stock Should I Own if I'm Saving for a Fixed Spending Goal? Thumbnail

42. How Much Stock Should I Own if I'm Saving for a Fixed Spending Goal?

What if you have a big purchase coming up in 10 years? It's long enough that you think you can take some risk and you want the money to grow. Picture a bucket of water that you are going to tip over and empty all on the same day. It changes how you can invest. In this video I walk through an approach from Larry Swedroe in his book "Your Complete Guide to a Successful and Secure Retirement". Larry outlines different % equity allocations based on how far out your financial goal is.

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40.  Safe Savings Rates Thumbnail

40. Safe Savings Rates

A listener asks a question - what is a reasonable savings rate for person saving for retirement? I talk about some research from Wade Pfau into something called Safe Savings Rates. Wade performed this research to figure out what percentage of income a pre-retiree would need to save for 30 years to afford a 50% income replacement rate for a 30 year retirement using worst case historical scenarios. I discuss the usefulness of the research and its limitations.

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