Is my Home my Pension?

August 13, 2019

Apart from your income, your home is probably your biggest asset. You will spend thousands on improvements and mortgage payments to eventually make it yours. But can your home replace […]

What are preserved pension benefits?

August 6, 2019

Nowadays, employees tend to change their jobs several times during their lifetime. If you worked in the public service or for a large employer you probably joined the pension scheme, […]

How are Life Insurance Rates determined?

July 30, 2019

When you apply for life insurance, your premiums will be mainly based on your “risk class,” which is defined by an insurer’s “underwriting guidelines.” The amount of cover and the […]

What is a Yield Curve and what does it tell us?

July 23, 2019

Purchasers of government debt [bonds] usually expect to receive a higher interest rate [bond yield] on longer term borrowings. This is to compensate them for the effects of inflation and […]

What are closet trackers?

July 23, 2019

Investment funds follow two distinct strategies – active management and passive management. Active managers seek to find value in the market by owning stocks and assets that will give a […]

How Does A Joint Mortgage Work?

July 16, 2019

When you decide to get a mortgage with another person – both your incomes can be taken into account in assessing how much you can borrow. It is absolutely vital […]