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Dollars and Sense

Live and plan with intention. Explore expert insights on financial planning and wealth management - directly from our Founder and Personal CFO.

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Monthly Market Update - January 2023

Last Month in the Markets – January 3rd to 31st, 2023: Last month proved to be a much more tensionless month than most for investors of almost every type. 

Tax Free First Home Savings Account (FHSA)

Canadians will soon get a boost when it comes to saving for their first home. Starting in April of 2023, the Tax-Free First Home Savings Account (FHSA) will be available to those over the age of 18 who have dreams of owning a home. This account is part of a campaign promise by the Liberals in the last election. Here is a run down of what we know so far. 

What To Know Before Buying U.S. Real Estate

There are several different ways to buy real estate in the U.S. Although some of the following information may seem familiar, as a buyer in a foreign market, it is essential to understand the pros and cons of each approach in order to avoid adverse tax effects in the future.

Monthly Market Update - November 2022

Last Month in the Markets – November 1st – 30th, 2022: Overall, the results for investors were largely positive last month. The major Canadian and American equity indexes rose 4.4 to 5.7%, and the global All Country World Index (ACWI) jumped 7.6%. 

2023 Facts & Figures

Annual Market Update - December 2022

Last Year in the Markets – January 3rd to December 30th, 2022: Overall, last year was a trying time for almost every Canadian investor. Several factors contributed to the turmoil and difficulty that affected every asset class and investor at some point during the last twelve months. 

Monthly Market Update - September 2022

Last Month in the Markets – September 1st – 30th, 2022: September is typically a bad month for North American equities with the S&P 500 typically losing 1% of their value. September 2022 was more than nine times worse, and the worst September in twenty years. 

Monthly Market Update - October 2022

Last Month in the Markets – October 3rd – 31st, 2022: The beginning of the month was uneven for equity investors. After rising-and-falling, the major North American indexes, repeated their rise-and-fall again by mid-month.

Monthly Market Update - July 2022

Last Month in the Markets – July 1st – 29th, 2022: Inflation and central bank actions continued to dominate the news and heavily influence capital markets. Inflation is beginning to be tempered as economic growth slows directly and indirectly from interest rate increases from the Bank of Canada, the Federal Reserve in North America and from the European Central Bank.