Luminex Arc
Government bonds have maintained steady interest from investors seeking stability. The Manitoba market specifically has seen consistent activity, which reflects broader national trends. It's worth watching how provincial infrastructure projects might influence local bond performance through late 2025.
With the March deadline behind us, many Canadians are reviewing their retirement planning strategies. This year's contribution room calculations included some nuances related to pension adjustments. If you're planning for 2026, starting your calculations now gives you flexibility in how you approach next year's contributions.
Winnipeg's investment education community has grown substantially over the past year. We've noticed more people asking thoughtful questions about diversification and risk management. Our autumn 2025 program will incorporate feedback from participants who wanted deeper discussions about tax-advantaged accounts and estate considerations.
December naturally brings reflection on investment performance. Rather than focusing solely on returns, many investors are looking at whether their asset allocation still matches their goals. Life changes throughout the year—new jobs, family situations, housing moves—and portfolios should evolve accordingly. Tax-loss harvesting remains relevant for those with non-registered accounts.
Building financial literacy starts with understanding core concepts. These interconnected areas form the foundation of informed decision-making.
Understanding your comfort level with market fluctuations helps shape appropriate investment choices. Risk tolerance changes over time.
TFSAs, RRSPs, and non-registered accounts each serve different purposes. The right mix depends on your specific situation and timeline.
Management fees, trading costs, and administrative charges all impact long-term returns. Knowing what you're paying matters.
Spreading investments across different asset classes and sectors can help manage risk. There's no single "right" approach for everyone.
When you'll need your money influences which investments make sense. Short-term and long-term goals require different strategies.
Different investment types have different tax treatments. Understanding these nuances can improve after-tax returns.
Investment education isn't just theory. It's about connecting concepts to real situations people face when making financial decisions.
Over the past fifteen years working with Canadian investors, I've seen how understanding changes when information connects to personal circumstances. That's what we focus on—making investment concepts accessible and relevant.
Investment Educator