The You First Blog

You have likely already read Anthony’s article “The role of monetary policy on markets.” The article paints a complicated picture for fixed income. Low yields mean minimal returns and you still face interest rate risk, which will put downward pressure on bond prices. This presents a dilemma for investors who have a fixed income mandate… Read More

We at You First feel it is beneficial to periodically review the basic tax-advantaged account structures available to Canadian investors. In this segment, we’ll discuss the Tax-Free Savings Account (TFSA): who will benefit from a TFSA, what it is and is not, how it works, and we’ll finish with some frequently asked TFSA questions.   You… Read More

Welcome to a new year and a new decade!  Before we begin, we would like to extend our sincere wishes for a happy new year to you and your family. We would also like to thank to you for your continued trust in us and for the opportunity to assist you in working toward your financial goals. Should you have any questions about your… Read More

We hope you all enjoyed your summer. The weather in Vancouver was not always perfect, but a smoke-free August was certainly appreciated! Here is where markets stand for 2019 (year-to-date return as of August 30. Foreign market returns are expressed in Canadian dollar terms): –TSX (Canada): 14.8% –DOW Jones (U.S.): 10.5% –S&P 500 (U.S.): 13.9%… Read More

For many families, September means a return school. It is also a good time to discuss the powerful advantages of the Registered Education Savings Plan (RESP). For most households, the RESP is the top vehicle available for children’s education savings. Here are the key facts: Annual maximum contribution: $2,500 (or $5,000 if you have carry-forward… Read More