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Efficient Markets - Podcast

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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38.  How Do I Finance A Cottage? Thumbnail

38. How Do I Finance A Cottage?

Welcome to Episode 38 of Retire Me Today I discuss a question that has come up a lot in the past year: How do I finance the purchase of a cottage? I discuss 3 approaches that can work depending on your needs and situation.

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35. Mortgage Decisions with Nino Notarandrea Thumbnail

35. Mortgage Decisions with Nino Notarandrea

Welcome to Episode 35 of Retire Me! I interviewed Nino Notarandrea, a Mobile Mortgage Specialist from RBC. Nino has been a mortgage professional for many years, and he is a go-to person for me whenever I have questions about mortgages that I need help with. We talk about how Nino got started in the mortgage industry, things that have surprised Nino about the mortgage market in 2020, considerations for people who have a mortgage but may want to take advantage of lower rates, the decision between fixed and variable rates and his personal approach, considerations for parents who want to help their children buy homes, and how signing onto a child's mortgage can impact you, what he would change about the mortgage industry, and much more.

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34. Re-Thinking Dividend Paying Stocks for Retirement Income & Mark's Top 5 Holiday Movies Thumbnail

34. Re-Thinking Dividend Paying Stocks for Retirement Income & Mark's Top 5 Holiday Movies

This week, I discuss dividend stocks. A lot of retirees wonder if they should simply invest in a portfolio of dividend-paying stocks for their retirement income. I explore the three big myths of dividend-only investors, which are: 1) Dividends are free cash 2) Dividend stocks beat the market 3) Dividend income is stable and reliable From there, I go through my Top 5 holiday movies and talk about some upcoming interviews that I'm going to be bringing to the show in 2021.

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