Course Description
The course will lay out in detail the safest investing strategy on earth, which is to stay in 100% fixed income products using a laddered GIC strategy. You’ll also learn how to get the best GIC rates.

It will also discuss the basic types of returns you can calculate and the importance of understanding time- versus money-weighted returns.

It will also delve into the issue of RRSPs versus the alternatives, looking at investing in equities inside versus outside an RRSP, in a TFSA, as well as other options including real estate, reinvesting in your own business, paying off debt, and retaining profits in a corporation for later dividend distribution.

We’ll also discuss all the different ways to invest including a full-service broker, discount broker, robo-advisor, fee-only planner and deposit broker. You’ll see demonstrations of a discount broker (Questrade), and a robo-advisor (Wealthsimple). We’ll also review the returns of five different portfolios from conservative to aggressive and compare the results to see who wins. 

The course will also look at what the experts say future stock market returns are likely to be, as well as where interest rates are going so you can plan appropriately.

You will see demonstrations of free spreadsheets that come with the course, including the “S&P TSX TR GIC RoR Calculator” that will show you how the stock market has done versus risk-free GICs, the “Investment Option Cost Analyzer” which will tell you how much each investing option will cost you, the “RRSP vs Regular  vs TFSA Analyzer” so you can decide whether investing in equities inside or outside an RRSP is the best option, the “RRSP vs Retaining Profits in Corporation Calculator,” the “Tax Turbo Charged RRSP Calculator” and the “Money Maximizer” to see if you are saving enough for retirement. 

Applicable for
Those interested in improving their investment returns without taking excessive risk.

Content

• know how well the stock market in Canada and the US has done over the last 10 to 50 years versus the risk-free benchmark of GICs
• evaluate whether anything can beat an RRSP for retirement purposes
• explain how the main investing options, mutual funds, full-service brokers, discount brokers (with or without a fee-only financial planner), robo-advisors and deposit brokers work and how the fees compare
• implement a 100% safe retirement strategy that has zero exposure to the stock market
• see how starting to save later in life rather than earlier maybe a better option
• how to ensure your investments are safe by knowing the types of deposit insurance including CDIC, CIPF, MFDA Investor Protection Fund, Assuris and Credit Union Deposit Guarantee Corporations

Special Notes: 
There are hands-on elements during this webinar - please ensure you have access to Excel. Spreadsheets included with the course are the “S&P TSX TR GIC RoR Calculator,” “Investment Option Cost Analyzer,” “RRSP vs Regular vs TFSA,” “RRSP vs Retaining Profits in Corporation,” “Tax Turbo Charged RRSP Calculator” and the “Money Maximizer” to see if you are saving enough for retirement.

Presented by PD Partner: David Trahair

What to Expect:

• You will receive an email from CPA Saskatchewan following your registration to confirm your order and information on how to access the course through PD Connect.
• Once sent, these emails can also be found in the Communication tab of your CPA Saskatchewan Member Portal.
• Watch a qualified CPA instructor and receive a copy of the same course material that is provided to attendees of the in-person session.
• This course is designed for participants to view while following along with the course material provided.
• This self-study course allows you to save your progress and continue later. A certificate of completion will be provided upon successful completion of the course and quiz.
• Access to all on-demand learning courses will be for 180 days from the date of purchase.