Articles & Insights
Reflections, analyses and perspectives.
Our views on markets, wealth strategies and the topics that affect your financial situation — written by our team to help you understand better. Browse all our articles and insights below.
Investing with discipline: staying the course through volatility
Why discipline and patience remain the investor's best allies to stay the course despite market volatility.
Read the full articleAll our articles
Corporate structure: protect and optimize your entrepreneurial wealth
Why more and more entrepreneurs use a corporate structure to protect and optimize their wealth and investments.
ReadFlow-through shares: an overlooked tax tool for high earners
Flow-through shares: an overlooked tax tool that lets high earners deduct more than 100% of their investment.
Read
Putting your account changes in perspective in volatile markets
How to interpret changes in your investment accounts in a volatile-market context, without giving in to emotion.
Read
Investing through volatility: Ray Dalio’s lessons for a resilient portfolio
Ray Dalio’s lessons, the founder of Bridgewater, for investing with discipline through market volatility.
Read
Geopolitics and Oil: Understanding the Impact… Without Giving In to Panic
Tensions in the Middle East are reviving fears about oil: what the 1979 shock teaches us — without giving in to panic.
Read
Why Precious Metals and the Canadian Market Have Pulled Back Recently
Gold, silver and the Canadian market in decline: the reasons behind the recent pullback, and what it means for your investments.
Read
Building Your Retirement Plan… One Brick at a Time
Patience, discipline, good habits: retirement planning is built like a house — one brick at a time.
Read
A look back at 2025
Our analysis of the major trends that shaped 2025 and what they mean for your portfolio in 2026.
Read
It’s Time to Optimize Your Taxes Before December 31!
RRSPs, flow-through shares, tax losses: strategies to put in place before December 31 to lighten your tax bill.
Read
Policy Rate Cut: What Opportunities for Your Investments?
The policy rate drops to 2.5%: the effects to expect on stocks and bonds, and the strategies to consider.
Read
News for Your Estate Searches: Simpler and Faster
A single window for will and protection mandate searches in Quebec: what is changing and the dates to remember.
Read
Why Life Insurance Can Make All the Difference
The true story of term coverage purchased at the right time — and why life insurance deserves its place in a financial plan.
Read
Passing On Healthy Financial Habits from the Start
Saving, investing, understanding the value of money: the invaluable role of parents and mentors in young people's financial habits.
Read
What Happens to an RRSP When the Last Surviving Spouse Dies in Canada?
When the last surviving spouse dies, the RRSP becomes taxable all at once: what happens, and how to plan ahead to reduce the bill.
Read
4 Key Points for a Successful Investment Plan
A clear plan, volatility seen as an opportunity, periodic rebalancing: decisions that matter more than picking securities.
Read
A strategy with lower correlation to stock markets that generates monthly income — interested?
Monthly income, diversification and active management: the profile of a fund designed for lower correlation with stock markets.
Read
House Rich, Cash Poor
A net worth of one million, but $2,500 in the bank: the trap of wealth locked up in bricks, and how to avoid it.
Read
A Stable Return, Without Riding the Market’s Ups and Downs?
Real estate investment trusts can offer stable income with little correlation to stock market headlines. An overview.
Read
Investment Diversification
US large caps have dominated the past decade, but nothing outperforms forever. A case for diversification.
Read
Another Headline About Trump’s Tariffs — It’s Not Without Reason
US surtaxes of up to 145% on Chinese products: what the trade escalation could mean — including for Canada.
Read
I know there is a lot of noise in the markets right now.
Tariffs, geopolitical tensions, anxiety-inducing headlines: a reminder of what market history teaches us about diversification.
Read
What Do Tariffs Mean for Canada?
Automotive, aluminum, energy: the Canadian sectors most exposed to U.S. tariffs, and what it all means.
Read
When We Budget, Mortgage Payments Are Often Seen as Expenses.
The Smith Manoeuvre: gradually turning your mortgage payments into an investment lever using the equity in your home.
Read
Tempting Bank Offers? Wait. Calculate Your Real Return
A guaranteed investment at 3% can still lose purchasing power: why it matters to measure your real, inflation-adjusted return.
Read
Investing in Your RRSP Without Cash on Hand? It’s Possible.
No cash to contribute to your RRSP? An RRSP loan lets you enjoy the tax benefits right away. Here's how.
Read
Reverse Mortgage: Access Your Home’s Value Without Having to Sell
A loan with no monthly payments that lets you remain the owner: how a reverse mortgage works, and who it makes sense for.
Read
Why consider a testamentary trust
A testamentary trust lets you pass on your wealth with control while optimizing taxes at death.
Read
MICA Partners with a Gatineau Firm
Pérennité Gestion de Patrimoine enters into a partnership with MICA Capital to offer more investment solutions while protecting investors' interests.
Read
Elections & Your Portfolio: What You Need to Know
U.S. elections create short-term volatility — but history shows that markets adapt to them quickly.
Read
The Importance of Starting to Save Early
Compound interest rewards those who start early: why every year of head start counts, with examples to prove it.
Read
Bank of Canada Rate Cuts: Key Takeaways
The Bank of Canada's third rate cut of 2024: the reasons behind the decision and what it changes for your finances.
Read
Alternative Investments: More Than Just Private Equity
Private equity is the first thing that comes to mind when we talk about alternative investments, but there is another one: private debt.
Read
Have You Thought About Your Will Recently?
Fewer than half of Canadians have a will. A look at the numbers — and the reasons to bring your estate plan up to…
Read
The Advantages of Mortgage Investment Trusts in an Investment Portfolio
Steady income and diversification: why mortgage investment trusts may deserve a place in a portfolio.
Read
Seven Things You Need to Know About Recessions
Frequency, duration, sectors that hold up: seven key facts to help you understand recessions and keep a cool head when they hit.
Read
Geopolitical Instability and Its Impact on Markets
War in Ukraine, inflation, energy tensions: how geopolitical instability is shaking markets — and the reference points to hold on to.
Read
Bitcoin: The Virtual Currency Everyone Is Talking About
Decentralization, safe-haven value, transactions without intermediaries: an overview of Bitcoin's objectives and the questions it raises.
Read
A Few Key Points for Financial Success
Saving early, paying yourself first, letting compound interest do the work: a few simple principles that make a big difference.
Read
ESG Investing
Environment, society, governance: what ESG criteria cover and how they fit into an investment strategy.
ReadNewsletter
Receive our insights directly in your inbox.
Once a month: our market analyses, wealth management insights and most recent articles.