Phil DeMont

A lot of dilemmas in personal finance can be, in reality, pretty straightforward. Should you only make the minimum down payment to buy a house? Should you open an RESP for your kids as soon as … Read More

When you mention RRSPs, most people think of them as the place to stash their retirement savings. But that’s just one of their many uses.

The rule of thumb for investors is to be wary of putting your money into fixed-income investments in the current market.

Half a century ago, managing your financial accounts wasn’t really a thing. After all, you probably had just a savings and a chequing account. You might have even had an investment account. But worrying about shifting … Read More

Looking around for better interest rates on fixed-income instruments might seem like trying to discern shades of white paint: Only an expert can spot the difference.

An old saying is commonly paraphrased as ‘nothing is certain but death and taxes.’ The latter part is certainly true when it comes to your RRSP.