Financial Wellness Fundamentals


Financial Wellness Fundamentals
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The financial literacy sessions will examine the international and domestic stock and bond markets
Investing 101 : Introduction to Financial Literacy
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Evaluation of mutual funds, exchange traded funds (ETFs) and dividend equity investments and the major effects of fees on an investment portfolio.
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Explanation of fixed income investments, government and corporate bonds, Guaranteed Investment Certificates (GICs), and cash in a portfolio
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Understanding of the “ sleep at night portfolio “ and your investment risk profile.
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Explore the value of Registered Retirement Savings Plan, Tax Free Savings Accounts, Registered Education Savings accounts and Registered Retirement Income Plans
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Discover the effects of long term compound interest inflation, the 72 formula, dollar cost averaging , “pay yourself first principle" and setting financial goals .
Investing 2.0: Part Two of Financial Literacy Fundamentals
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Investigate the difference between passive and active investing "The Couch Potatoe Portfolio", and the Robo Advisor investment programs, versus do it yourself investing versus role of a good advisor.
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Create awareness and understanding of the effects of interest rates, Macro (top-down) and Micro (bottom up) investing Principles, world asset allocation on an investment portfolio. Does the 60% equity 40% fixed income portfolio still work ???
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Discover research techniques and research resources to gain more personal life long financial literacy as it affects an investment portfolio
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Understand the basic tax implications of the Registered accounts covered in Introduction 101 and the tax advantage of dividend income.
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Explore the implications of logical versus emotional investing, “ greed and fear implications “ and your money personality..
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Understand the history of “Black Swan events", equity bubbles, “and 10 to 20% stock market corrections and the implications on an investment portfolio.
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Consultant: Les Schmidt President of Schmidt’s Investing Limited since 1995 and twenty eight years of teaching High School Business
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Cost: $ 80 for 90 minutes learning session. A waiver must be signed to indicate no financial advice will be provided and there is no affiliation to any financial institution
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Famous quote from Mary Schmidt “Health is your wealth in life".
Important Considerations for an Investment Portfolio
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The Canadian equity market represents only 2-3% of the entire world equity market.
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Bonds are used to smooth out an investment portfolio and reduce the volatility of stocks.
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How to lose 80% of your investment portfolio
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The "Tulip Bubble" in the Netherlands in the 1700s
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Why I fired two of my financial advisors