The Rob Tetrault Show

Trading vs Investing  Investing and trading are two mutually exclusive things. When you are trading not investing because you're simply hoping there that someone is going to pay you a higher price for that share in the near future. Usually, these swing traders or these day traders will typically try to enter and exit the same stock multiple times in the same day. They're looking to optimize the vo...

Illiquid Assets & Investments  The concept of liquidity is one that very few people understand and appreciate. A $10 bill is about as liquid as it possibly gets – it's cash, it's tender, stuff is purchasable with it; it's fully liquid. Liquidity Scale  A gift card is rather liquid, but we're moving a little further down the liquidity scale. Now, if I owned shares of publicly traded companies, thos...

What's an Investing Benchmark | Investment Benchmark  The word benchmark was originally a surveying term. You put a mark on a bench, next year you come back and you're able to set up your same angles. The word eventually morphed over time and now represents anything that you want to compare yourself to. When it comes to investing, what most people consider a benchmark is an index.   Common Benchma...

A segregated fund is typically sold by an advisor who's got a mutual fund dealer's license, or perhaps they're only insurance licensed. It's an insurance product that's been created by the insurance companies, and there's a component of the product, component of the fund that traditionally will guarantee either 75% or 100% of the capital for the investors.

What is Swing Trading? You're most likely looking at the markets every single day. You're studying the charts closely and trying to benefit from the fact that there's volatility in the markets. You might have a discount brokerage account and you trade the same stock more than one time per day, week or month. This is referred to as day trading or swing trading. These are two commonly referred terms...

Let's review the tax benefits of real estate investing and how to optimize your real estate investment tax strategies. You might've heard me mention before that I'm a passionate believer that owning real estate makes a lot of sense for most folks with respect to their net worth. There are so many tax benefits. First off, you get to deduct your mortgage interest. You get to deduct your property tax...

You received those investment proceeds. Now the actual settlement that is received is typically going to come in the form of a cash payment. If it's a larger chunk, you're obviously going to want to focus on optimizing your TFSAs, your RRSPs, your RESPs if you have kids and maybe an RDSP, if you have a disabled child. First, you're going to optimize all of that and afterwards, will be left with no...

What is an employee stock option plan? It's a plan where a firm will allow employees to buy shares of their company through their payroll, effectively taking some money off every single month off your paycheck, going directly to buy outstanding units of shares. Generally, a company will float additional units for this purpose. They'll know how many staff are doing this. They will issue shares and...

How Dividend Stocks Work Whether we're talking about the stock market or we're talking about private corporations, dividends are ways for corporations to distribute profits to the shareholders and unit holders. If I own a plumbing business that's profitable, incorporated and we want to distribute the profit to perhaps myself as well as my business partner, we could distribute through a dividend. T...

Paul: We're back with our guest host, Rob Tetrault. He's head of the Tetrault Wealth Advisory Group at Canaccord Genuity in Winnipeg. He's on a trip to Toronto; we get to talk to him when he comes to Toronto. You want to talk about real estate investing, and you're not talking about publicly traded REITs – for many Canadian investors, that is what investing in real estate is.   Rob: Yeah. And the...

Why You Should Get Life Insurance    Rob: Why should you get life insurance? Today I'm chatting with you with none other than our Senior Wealth and Estate Planner, Mr. Adam Buss. First of all, tell me about the different types of life insurance that exist. Obviously, the question today is why should you own life insurance?   Adam: Well, there's two major types of insurance that we'll kind of cover...

Andrew: This week, that Canadians are missing out when it comes to tax free savings accounts, and how they can get the biggest bang from that product Pattie Lovett-Reid has more.   Pattie: Yes. I wrote a blog on it and I did so because you know, when I looked at the report that came up from RBC, 43% of Canadians that they surveyed still really felt misinformed about how to use a tax-free savings a...

What is Financial Planning? Rob: Financial planning; why it makes sense for you, what to make sure you have, and what are the pitfalls to avoid? I'm Rob Tétrault from robtetrault.com , Head of the Tétrault Wealth Advisory Group here at Canaccord Genuity Wealth Management. I'm here with Adam Buss. He's a CFP wizard with this kind of stuff. Senior Wealth and Estate Planner here at Canaccord Genuity...

How RESP Grants Work  Rob: Hey guys, today we're talking about the RESP grant, how it works, when it makes sense, how much you can get, what the limits are, and how to take advantage of it. I'm Rob Tétrault from robtetrault.com , head of the Tétrault Wealth Advisory Group here at Canaccord Genuity Wealth Management. To my right, your left is Adam Buss, Senior Wealth and Estate Planner here at Cana...

HEB | HEPP Pensions   Rob: If you're a healthcare provider in Manitoba, this is for you. I'm Rob Tétrault, Head of the Tétrault Wealth Advisory Group from robtetrault.com , here at Canaccord Genuity Wealth Management. I'm here with Adam Buss here at Canaccord Genuity Wealth Management. Adam, thanks for coming today.   Adam: Thanks for having me, Rob.   Rob: You are the pension expert, so I'm super...

Corporate Owned Life Insurance (H1)   Rob: Corporate owned life insurance is a neat way to save some taxes inside of your corporation while also protecting any and all risk inside your corporation. I'm Rob Tétrault from robtetrault.com , head of the Tétrault Wealth Advisory Group here at Canaccord Genuity Wealth Management. This is Adam Buss. He's a really smart guy and we're thrilled to have him...

What is a proper asset allocation? We've talked about this in another blog before. Feel free to check it out if you want to understand what your asset allocation should be. How to Invest Money | Portfolio Management It starts there. It starts with asset allocation. Second of all, taking a look at in the equity portfolio, in the portion of your portfolio, there's equities. Can we find stocks that h...

Critical Illness and Disability Insurance (H1) Rob: Critical illness and disability insurance can be a very neat way to protect a very significant risk for a lot of Canadians out there. I'm Rob Tétrault from robtetrault.com, Head of the Tétrault Wealth Advisory Group here at Canaccord Genuity Wealth Management. With me today, I have Adam Buss. Thanks for being here today, Adam.   Adam: Thanks for...

Rob: Hey guys, I'm Rob Tétrault from robtetrault.com, head of the Tetrault Wealth Advisory Group here at Canaccord Genuity Wealth Management. I am pumped today. We've got a fantastic guest. Good buddy of mine, Cam Goodnough. I mean we tried to get someone else, but he's good enough for now. That's a joke. I'm really excited to have him here. We're in Winnipeg. He's in town. Not every day we get a...

Leverage Ratio | Debt to Equity Ratio  Leveraging vs being debt free  This is something that some folks struggle with. You're borrowing to invest. Are you going to make more in the investment world than you're paying off in your interest? We advise people on leveraging and whether it is something they should be doing. If it's something you want to talk about, please go to speaktorob.com, and we'll...

RRSP Investment Options  You want to avoid putting the wrong type of investments in an RRSP . You'll end up paying a fee and you'll have to pull the money out. There's consequences and taxes on that because CRA doesn't like it. Let's look at what you can and can't put in there. If you received a letter from CRA and you don't know what to do, please go to speaktorob.com, fill out the form. We will...

Inheritance Tax  Inheritance tax in Canada  Canada, unlike the U.S., does not have an inheritance tax. In the U.S., the inheritance tax you'll end up paying depends on your income and where the beneficiary lives. In Canada, there could be some estate administrative taxes or some probate fees charged on the estate which affects the bottom line inheritance . There will be taxes paid on death by the...

Pension Tax Credit  Let's look at what the federal pension tax credit is all about. What kind of tax rate applies? The government allows you to claim a federal non-refundable tax credit up to 15% of the first $2,000 of pension income . Full Video & Blog Article on Old Age Pension | Old Age Security | Canada Pension Plan   What does that mean? Let's break it down. What qualifies as pension income?...

  RRSP Withholding Tax  Are you drawing on your RRSP or perhaps, you're drawing on your RRIF and you have no idea how the withholding tax works? The RRSP withholding tax to me is a very critical part that people just don't understand. Withdraw from RRSP  First, let's start with your RRSP . You have been saving, contributing and getting the deduction against your income. Now, for whatever reason yo...

RRSP vs RRIF  RRSPs versus RRIFs. Most folks don't know what the acronyms mean. RRSP is registered retirement savings plan and RRIF is registered retirement income fund. Should you convert your RRSP to a RRIF? If so, when should you do it? It's not an easy decision folks. I know first-hand people are confused. There's a lot of misinformation out there. This is something we do all the time and some...