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Sylvain Lapointe’s blog

Financial Perspectives

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Information · Investment

Discover the Tax-Free First Home Savings Account – TFFHSA

This new registered plan would help first-time home buyers save $40,000 on a tax-free basis. Contributions are tax deductible (Like a Registered Retirement Savings Plan –…

Sylvain Lapointe

2022-12-21

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Information

Take advantage of the spousal-loan strategy

The spousal-loan strategy involves splitting income between a spouse with a high marginal tax rate and a spouse with a lower income. As a result of our progressive tax…

Sylvain Lapointe

2022-06-28

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Information

What to do during a stock-market correction

Investors aren’t lacking for things to worry about at the moment, including Russia, inflation, the rate hike, the market downturn, the real estate market, the labour…

Sylvain Lapointe

2022-03-24

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Information

Inflation vs. stock market returns

Canada’s inflation rate has accelerated to its highest level in a decade. In October 2020, it remained at 4.7% for the year. We can see this with food and gas…

Sylvain Lapointe

2022-01-13

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Information · Real Estate

Comparing salary increases and property price escalation

Lately, given the sharp rise in property prices, real estate has become a hot topic. It’s difficult to explain the reasons for this upward pressure on prices since one of…

Sylvain Lapointe

2021-11-05

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Information

Do I have enough?

I’ve been producing this financial letter since October 1998 and, to my astonishment, I’ve never dealt with retirement projection. What does the future have in store for…

Sylvain Lapointe

2021-07-14

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143 · 148

Capital gains taxation in Canada

To draft this article, I drew inspiration from a research paper prepared in 2018 by Chaire de recherche en fiscalité et en finances publiques (the research chair in…

Sylvain Lapointe

2021-03-25

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Real Estate

Home ownership through time

Do you have the same reaction I do regarding the rising cost of property? Do you wonder how people can afford to buy homes given the steadily increasing market prices…

Sylvain Lapointe

2020-10-08

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Financial System

Why Are Credit Card Interest Rates So High?

I read an interesting article recently written by Ben Carlson[1] regarding credit card interest rates. It relates to the USA but it can easily be applied for Canada as well.…

Sylvain Lapointe

2020-07-17

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Economy · Investment

COVID-19 Crisis

As was inevitable after an 11-year-long bull market cycle, we officially entered market correction territory on Wednesday, March 11th. The oil war between Saudi Arabia and…

Sylvain Lapointe

2020-03-27

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Information · Information

Are market all-time highs normal?

I read an interesting article recently in Fortune[1]. It referred to market highs and the fact that investors are worried that what goes up eventually has to come down.…

Sylvain Lapointe

2019-12-20

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Investment · Real Estate

Is renting throwing away money?

I came across a good article from Robb Engen[1] comparing the cost of ownership vs. the cost of renting. Most people tackle the rent vs. buy problem incorrectly by framing…

Sylvain Lapointe

2019-06-27

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Investment

Clarifying Book Value

I often receive questions from investors about the usefulness of book values and whether it should be used in the portfolio performance calculation. I came across an…

Sylvain Lapointe

2019-03-26

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Investment

Why must the market fall?

I reread an interesting article written in August 2015 by Joshua M. Brown, which is really fascinating and applies perfectly to this past year, 2018. His logic is that…

Sylvain Lapointe

2018-12-21

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Financial System · Investment

A speculative bubble

As I begin my 21st year in stock market investing, I can tell you that I’ve seen my fair share of bubbles, starting with tech shares at the end of…

Sylvain Lapointe

2018-10-17

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Information

How much proximity would you like to have when you retire?

I read an interesting article written by Rob Carrick from the Globe and Mail. The story makes us realize that the majority of our waking hours while employed are spent…

Sylvain Lapointe

2018-06-22

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Financial System · Information

Passive investment income

We know to what extent small and medium enterprises (SMEs) in Canada contribute to economic growth and job creation. To encourage people to start their own businesses and…

Sylvain Lapointe

2018-04-19

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