Investor Insights from iA Private Wealth

Free advice can cost you a fortune



Financial advice can benefit everyone, no matter how simple or complex their situation. From building up emergency savings and funding a child's education to preparing for retirement, guidance on how best to channel your resources to reach your short- and long-term goals is always handy. So, where do you turn for advice?


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Make the most of your inheritance



As baby boomers age, we’re seeing more wealth being transferred between generations than ever before. Maybe you’ve just received an inheritance and the money has been deposited into your account. Now what? The best next step is to consult with your Investment Advisor, who can suggest how to allocate your inheritance in a way that makes the most sense for your circumstances.



Your Wealth Plan Requires a Team Effort



When you think about your wealth plan, chances are you turn to your Investment Advisor when you have questions or need guidance. That’s understandable, since your advisor is a trusted financial professional who has helped to build and maintain your wealth plan and investment portfolio.




Downsizing as Retirement Smartsizing



Do you have a “guest room” in your home that hasn’t seen a guest in years? A basement of clutter you haven’t looked through for even longer? Maybe you’re considering retirement – not just for yourself, but also for your lawnmower and snow shovel.



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Curious About Cryptocurrencies?



Bitcoin. Blockchain. Digital wallet. These terms have become more common as cryptocurrencies, or cryptos for short, continue moving mainstream, but that doesn’t make the concept any less complex.

As with any type of financial speculation, cryptocurrencies can be highly rewarding but also very risky. Let’s take a basic look...




Create a will and protect your beneficiaries



Although financial advisors, lawyers and estate specialists always stress the importance of having a will, many people don’t bother. Common reasons include not wanting to think about death, not knowing how to create a will, not thinking it’s urgent (“I’m still young!”) and not believing they have enough assets.




Understanding Fees



Many people invest because they believe it’s a good way to achieve their financial goals. They also know that getting professional financial advice can help them invest better.

If you’re working with a financial advisor (or considering it), you should understand how advisors are compensated. The topic of fees can be complicated, but we’ll stick to the basics.


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Just for Students: Budgeting 101



Congratulations! Your hard work and perseverance have paid off and starting this fall, you’re off to pursue your post-secondary education. It’s something to be proud of, because getting to this point isn’t easy – especially when it comes to saving money and having enough to support yourself until you graduate. These basic budgeting skills will help your dollars go further and get you through your studies with as little debt as possible.




How to Pass on the Family Cottage



Canadians adore their escapes from the city. And what’s not to love? Not only is a cottage a great getaway, bringing joy to families and friends for generations, it’s also proven to be a profitable investment for many who purchased their property decades ago.

It may be hard to believe, but this cherished home away from home that has brought your loved ones together over the years can also cause strain...



Millennials & Retirement: Redefining the Future



It may be hard to imagine, but older millennials are celebrating their 40th birthday this year, while the younger part of the cohort is turning 25. As millennials make their mark on the workforce, they are also redefining the way we think about retirement.

Our grandparents and great-grandparents subscribed to an ideal notion...


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Why Share Your Notice of Assessment?




It may have taken some time and effort, but you managed to complete your income tax return for another year. While most of your work is done, you’re not quite finished yet.

After the Canada Revenue Agency (CRA) reviews your tax return, they will send you a Notice of Assessment (NOA). Go through it carefully and also think about sharing it with your Investment Advisor. 




Women & Retirement Planning:
Why It's Different



Although numerous gender barriers have been broken down over the years, at least one remains-- women have less money saved for retirement than men. It's been recently reported that 25% of Canadian women have contributed fewer dollars toward retirement than their spouses. The same survey highlighted that women  worry more than men about...






The Link Between


For those that enjoy diving deep into financial commentary and videos, here are some interesting offerings from the world of financial news:


Fidelity Retirement Report 2022


The Benefits of Adding Alternatives to a Portfolio


The Storm Before the Calm


Emotional Investing


Staying the Course in a Bear Market


The Bulls Outweigh the Bears


What Are My Options When the Market is Down?


Dynamic Macro Musings Feb 2022



Future Focus


Digital assets in your Estate Plan



The Psychology of Money


A History of Herding 






"If you want to be rich, you need to be financially literate"- Robert Kiyosaki