Guillaume Girard CFA CMT @WealthCoachG
📍Canada 🇨🇦 Helping #millennials make better #financial decisions 💰 mwadvisors.ca Victoria, British Columbia Joined September 2012-
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I subscribed to KoyFin to conduct client portfolio analysis. Solid platform for the cost. Join me on @Koyfin, an amazing investment analytics platform, and get a 10% discount on your first purchase of Koyfin paid plans. Use this link to sign up: koyfin.com/get-discount-f…
Microsoft, Google, Salesforce and other US companies often compensate their employees through salary, bonuses and RSUs (restricted share units). From a tax perspective, RSUs are complicated to understand, so I'll make it easier for you today.
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@MarkMcGrathCFP @WealthCoachG Pretty sure that’s taught in the CFA isn’t it Gui?
@WealthCoachG It's actual step 0, it's the default and it's a requirement. You don't have a choice.
Microsoft, Google, Salesforce and other US companies often compensate their employees through salary, bonuses and RSUs (restricted share units). From a tax perspective, RSUs are complicated to understand, so I'll make it easier for you today.
There are very few tax advantages to incorporating. Most people think you can just write off a ton of things. In order to claim something, it must be directly tied to the generation of active business income. You don't create a corp and can suddenly claim 100% of your car…
Brb going all-in emerging markets
Just released, @OfficialFPCan rate of return guidelines for 2024, check the link for the complete report. There are some new faces on the committee this year. fpcanada.ca/docs/default-s…
Here's a crazy stat that no one will believe. The universal investment benchmark is the 60/40 portfolio of stocks and bonds. What if you replaced the bonds entirely with gold....crazy right? Turns out it makes no real difference.
@KingsmanTower @MarkMcGrathCFP Yeah...guess again …edthinking.scotiawealthmanagement.com/2022/11/04/pas…
It hasn't gotten a ton of attention...but there are some interesting tweaks to the Home Buyer's Plan. An increase to $60,000 max withdrawal. & A TEMPORARY extension on repayment (retroactive to 2022). More to come but for a couple years the numbers will shift. Pay attention!
Just want to say I appreciate all the thoughtful comments on my past few posts. Except the people calling me an idiot, those were lame. I'm unlikely to be able to respond to each one, but I'll do my darndest.
I feel compelled to explain that there is no $250k capital gains exemption for gains incurred inside a corporation. The $250k is only for individuals. The number of people telling me I'm wrong because they didn't know of this is making my head hurt.
Incorporated professionals got hit hard in yesterday's budget. The biggest impact for many will be the increase in the capital gains inclusion rate for every dollar of capital gains in their corporation. Let's look at the math to see how bad it is.
Under the old rules, we paid 29.50%. Under the new rules, our tax rate increased by 10% That's 33% more taxes overall in this example! This will seriously impact professionals and small business owners with holding companies relying on their portfolios for retirement.
If you don’t follow Gui - you are missing out on high quality investing information. His latest - how investing in small cap, value and profitable companies pay dividends (see what I did there) long term.
Here is how investing in Small Cap, Value and High Profitability stocks through index funds can help you build greater wealth.
@WealthCoachG Excellent analysis as always
The second people try to negotiate my fees or say it should be cheaper for them cause “they’ll require less work” I refer them out They’re never less work They always end up being the most work
In my nearly 8 years experience in working with high earning millennials, here are the top reasons why they reach out to advisors. 1. Their situation has gotten increasingly complex 2. They are earning more and want tax planning 3. Poor DIY/Bank portfolio returns Why did you…
The S&P 500 has still only had a 2.5% peak-to-trough move in '24. This would tie it with '95 for the smallest ever. The reality is more pain at some point this year would be perfectly normal. Remember, as strong as last year was, stocks still saw a 10.2% correction.
DIYers often own the S&P500 2-3 times in the same portfolio using different ETFs. Why do you think that is?
How do stocks do historically around major geopolitical events? Here are some of the largest market moving events in history and the truth is if the economy avoids a recession things do pretty well. Of course, some of these caused a recession and stocks didn't like that.
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