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Maximize Your Retirement: How MICs Can Improve Your RRSP Growth
Canada’s economic landscape is marked by significant uncertainty in 2025, primarily due to escalating trade tensions with the United States. According to the Bank of Canada (BoC), “the threat of tariffs is causing major uncertainty,” impacting everything from consumer and business confidence to investment decisions. The trade war threat has led to a sharp depreciation…
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Maximize Your Retirement: How MICs Can Enhance Your RRSP
For many Canadians, a Registered Retirement Savings Plan (RRSP) is the cornerstone of their retirement planning strategy. In addition to providing tax-deferred growth on contributions, an RRSP allows investors to control the assets in their retirement portfolio. Although Canadians are familiar with the most common types of qualified RRSP investments—stocks, bonds and mutual funds, for…
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Strategizing for 2025: Key Insights and Tips for MIC Investors
Are you ready to make the most of your MIC investments in 2025? Mortgage Investment Corporations are one of the fastest-growing alternative assets in Canada, offering investors a unique opportunity to gain exposure to a diverse portfolio of private mortgages. MICs are specially structured investment vehicles that pool funds from multiple investors to lend primarily…
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Investing in MIC Funds During Economic Uncertainty
After a brief post-pandemic boom, the global economy faces a variety of uncertainties in 2024. Geopolitical tensions, persistent inflation, and shifting central bank priorities have made it more difficult for investors to maintain a competitive edge. A broad deceleration in economic growth across Canada, the United States, and eurozone economies has only added to the…
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Navigating the 2024 Rate Cuts: Strategies for MIC Fund Investors
On June 5, 2024, the Bank of Canada (BoC) reduced its key interest rate by 0.25% to 4.75%, becoming the first major central bank in the G7 to shift course on monetary policy. Encouraged by slowing inflation, the BoC signaled that further rate cuts are expected this year. The BoC’s shift has major implications for…
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Long-Term vs. Short-Term: Crafting Time-Sensitive MIC Investment Strategies
More than 50 years after their creation, Mortgage Investment Corporations (MICs) have come to play a vital role in Canada’s residential mortgage market. For borrowers, MICs offer alternative lending solutions with greater flexibility than conventional mortgages. For investors, MICs unlock a passive income strategy that provides regular dividend payments without the risks that are normally…
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Maximizing Your Investment: Smart Strategies for Investing $50,000 or More in Canada
Investing in modern times seems like it should be easy, but traditional growth strategies that worked in the past are no longer sufficient in today’s volatile world. Even legendary investor Charlie Munger, who had a net worth of $2.6 billion when he passed away, believed investing became “much harder” over his lifetime. Today, an investor…
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