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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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