Willy Fogang MBA, CITP

**Heading: Unlock the Potential of HSA Accounts: Expert Insights for the Future** **Subheading 1: Discover the Latest Trends in HSA Investing** In this article, we will delve into the world of Health Savings Accounts (HSAs) and uncover the potential they hold for investors. With a focus on healthcare, wellness, and financial growth, we will explore the current trends in HSA investing and provide expert insights for the coming year. **Subheading 2: Stay Ahead of the Curve in the Grain Markets** As a seasoned investment advisor, my expertise lies in helping individuals maximize their HSA investments. Today, I want to share the key factors and strategies experts are closely monitoring in the grain markets. By keeping an eye on these trends, you can make informed decisions to grow your HSA account. **Subheading 3: Ensure Financial Health for Your Family** Your family's well-being is of utmost importance. By harnessing the power of HSA accounts, you can secure a healthier future for your loved ones while maximizing your investment potential. Get ready to unleash the full potential of your HSA account! *Summary (200 words)*: As an investment advisor who has consistently outperformed industry titan Ray Dalio, I am passionate about helping individuals grow their Health Savings Accounts (HSAs) through strategic investing. In this article, we will explore the latest trends and expert insights in HSA investing, with a particular focus on the grain markets. By understanding the dynamics of the grain markets and staying ahead of the curve, you can optimize your HSA investments and pave the way for financial success. We will dive deep into what the experts are watching for in the coming year, enabling you to make well-informed decisions that align with your financial goals. But it's not just about financial prosperity; it's about ensuring the health and well-being of your family. HSAs provide a unique opportunity to invest in your loved ones' healthcare and wellness needs, while also maximizing your investment potential. Together, we will explore how you can leverage your HSA account to secure a healthier future for you and your family. Don't let the fear of missing out hold you back! Act now, unleash the potential of your HSA account, and take charge of your financial journey. Remember to use the hashtags #hsa #investing #healthcare #health #family #wellness and share this empowering article with others who are ready to enhance their HSA investments. Let's embark on this exciting journey together! 💪💼🚀💰🌱👨‍⚕️👩‍⚕️✨

1

Financial literacy is key to women’s advancement. By investing in knowledge, we make informed and smart decisions at work and home. Join our “Financial Statement Basics” webinar on July 23rd: https://ow.ly/KEPy50SFtHf #FinancialLiteracy #FinancialEmpowerment #WomenInLeadership

8

The Bank of Canada just announced its first rate cut since March 2020! Today’s announcement puts the policy rate at 4.75 per cent, down from the 5 per cent it has been sitting at since July of last year. https://lnkd.in/eQbe2QgW “With continued evidence that underlying inflation is easing, Governing Council agreed that monetary policy no longer needs to be as restrictive and reduced the policy interest rate by 25 basis points. Recent data has increased our confidence that inflation will continue to move towards the 2% target,” The next rate announcement is scheduled for July 24. Follow Team Venture for more updates! “When Experience and Results Count” #boc #bankofcanada #interestrates #torontorealtor #torontorealestate #forlease  #teamvntr #venturerealestate #teamventure #since1981  #whenexperienceandresultscount #torontorealtor #openhouse #vaughanrealtor #gtarealtor #torontohomes #homes #vaughanhomes #detachedhomes #townhomes #condos #residential #resalehomes #investment #rentals #firsttimehomebuyer #realestate

1

The S&P Global Canada Manufacturing PMI fell to 49.3 in May, marking the 13th month of contraction. This reflects ongoing economic uncertainties and reduced demand. Rising input costs and supply chain delays continue to challenge manufacturers, limiting their ability to pass on costs. Despite this, improved future confidence suggests optimism for stability ahead. The manufacturing sector faces significant hurdles but shows resilience. #EconomicOutlook #Manufacturing #SupplyChainChallenges #CanadaEconomy https://lnkd.in/ge8DHsQ

15

7 Comments

Dillon Consulting Limited in collaboration with Arbor, brings the first of 2 articles delving into OSFI's B-15 guidelines to help Federally Regulated Financial Institutions (FRFIs) gain a deeper understanding. Together, Dillon and Arbor are not only making sustainability simple and approachable but also fostering responsible business decisions that benefit our planet. Stay tuned for our second article that will look at what FRFI's will need to act on, to prepare themselves for these guidelines. #climaterisk #sustainabilitymatters #OSFI

53

1 Comment

Many financial advisors and portfolio managers are interested in exploring independence for their practice, and they are right to be curious, the independent landscape in Canada is expected to grow significantly over the next decade. But what is the best option for you? That depends on your goals and vision, and how much control you aim to achieve. Here is a snapshot of some of the questions we ask our clients to consider when exploring the right option for them: - What are your current pain points? - What are your goals for exploring independence? - What are your greatest impediments to growing your practice? - Are you interested in building a firm or your practice? - What client experience do you want to achieve? - Describe your team, what are their strengths and gaps? - Are you looking to partner with other practice owners? - What is your ultimate succession/exit plan? After gaining a comprehensive understanding of your objectives, we will assist you in thoroughly examining your options to determine the most suitable path that aligns with your unique situation. Ready to explore independence? 👉 Contact us today: https://lnkd.in/gdnkhjGE #independence #financialadvisor #portfoliomanager #create #join #work

4

Global corporates hold potential for capital appreciation and higher yield, to complement core bonds. Learn more about Mackenzie Global Corporate Fixed Income Fund: https://ow.ly/eKEH30sEcZS

4

Looking to optimize your TFSA? #SavenFinancial's TFSA GICs offer competitive interest rates (up to 5.40%) and tax-sheltered growth potential. #TFSA #GIC #InvestmentStrategy ▶️ https://lnkd.in/ggZ3RG4Q

2

Ever wondered why Credit Union members are happier? 🙋 Join Shawn Good, President and CEO of Libro Credit Union, as he references survey results that show Credit Union members enjoy better financial and overall wellness. Looking for an alternative to the big banks? This episode might have the answers you've been searching for. 🎧 Tune in to our latest episode to see why making the switch could be your best move yet! Don’t forget to subscribe, so you’ll be the first to hear our next episode. https://lnkd.in/geDRrV6c #Podcast #MoneyMadeBetterPodcast #FinancialWellness #FinancialStress #BankSomewhereBetter #CreditUnionDifference #LibroCreditUnion

34

Check out our market update below for the week ending July 26, 2024.

1

𝗛𝗼𝘄 𝗕𝗶𝗴 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿 𝗣𝗹𝗮𝘆𝗲𝗿𝘀 𝗔𝗿𝗲 𝗣𝗼𝗶𝘀𝗲𝗱 𝗧𝗼 𝗣𝗼𝘂𝗻𝗰𝗲, 𝗪𝗵𝗶𝗹𝗲 𝗥𝗲𝘀𝘁 𝗢𝗳 𝗨𝘀 𝗪𝗶𝗹𝗹 𝗛𝗮𝘃𝗲 𝗧𝗼 𝗪𝗮𝗶𝘁 During the Bank of Canada's annual Financial Stability Report, Governor Tiff Macklem highlighted the central bank's cautious approach towards rate cuts, emphasizing the need to ensure that institutions and households can manage their debts amidst these high rates. Despite these challenges, the Canadian financial system remains robust, though real estate valuations, especially in the office sector, are feeling the pinch. The shift towards work-from-home policies has particularly impacted office properties, leading to refinancing hurdles and significant reductions in sale prices. In response, the Federal government is investing $1.1 billion to expedite the termination of office leases and the disposal of Crown-owned office buildings, preparing to absorb losses on these assets if they can't be converted into housing. Meanwhile, major players like the Canada Pension Plan Investment Board are reshaping their portfolios, evident from their commitment to a massive 330,000-square-foot lease in a new Toronto tower set for completion in 2025. Similarly, Brookfield Corp.'s Asset Management arm has seen a Q1 profit dip due to lower fees but remains optimistic with over $100 billion ready for future investments. Despite past challenges, the sentiment for the commercial real estate market is improving. "Last year's story was about the impact of inflation, but we've seen the bottom, and we're moving up," said Brookfield's CEO Bruce Flatt. With interest rates expected to decrease, sectors like hotels, industrial, multifamily, and data centers are showing promising rebounds. At Paramount we’re not only a Real Estate Brokerage, we are solution providers. Start by visiting our website to learn more: www.paramountrealestate.ca While you’re there, watch our video 🚀 #ParamountRealEstate #ParamountRealEstategta #MelGiannone #PassiveInvesting #RealEstateAdvice #RealEstateInvestment #PropertyInvestment #CommercialRealEstate #PropertyValues #AssetManagement #OfficeMarket #BankOfCanada #Economy #Inflation

1

Your financial advisor can help you determine if it makes sense to start an investment vehicle like a TFSA, RRSP, FHSA (if you want to buy a home) or RESP (if you have children) when you are still experiencing limited cash flow and significant debt

2

For the first video in our Small Business Banking Series, we're covering the role banks can play for your business. Banks can be more than a financial resource, they can also assist you with community involvement by supporting special events such as volunteer opportunities or donations. Jureau Bowman, senior community outreach and banking officer, discusses further how banks can play a helpful role at a local level. View the full video series at: http://ms.spr.ly/6047YVWex #SmallBusinessOwners #SmallBusiness #FinancialLiteracy

14

Last week at the CPBI Saskatchewan Regional Conference, Murray Wright FCIA, FFA hosted an interactive breakout session on Modern Investment Tools and Strategies for Defined Benefits Plans. The key insights include: • Shifts in market conditions, especially increases in interest rates, create broader possibilities for revisiting strategic asset allocations. • Bulk annuities offer investment potential beyond end-game plans. • Technology plays a crucial role in swiftly identifying opportunities and risks, providing more time to make decisions, or the ability to have first-mover advantage.

49

1 Comment

Bank of Canada Cuts Key Interest Rate! 🚨 The Bank of Canada has just announced a 25 basis point cut to its overnight rate, marking the first reduction in more than 4 years! The new policy rate is now set at 4.75%, down from 5%. 🏠 This is a significant shift, signaling confidence that inflation is easing sustainably. 📉 With the inflation rate dropping to 2.7% in April and steady economic growth, this move is aimed at continuing the progress made since the pandemic. What does this mean? 🤔 🌟 Home Buyers: Lower interest rates can mean lower mortgage rates, making it an opportune time to explore buying a home! 🌟 Homeowners: This could be a great time to refinance your mortgage and save on interest payments. 🌟 Investors: Improved economic conditions and lower borrowing costs might create new opportunities in the real estate market. Stay tuned for more updates and insights! Contact us: 📞 647 341 3473 📧 info@foresthilletobicoke.com #interestrates #bocinterestrates #foresthilletobicoke #economicnews

1