A Six Point Plan for Financial Freedom

(Formerly: Enough Bull: How to Retire Well Without the Stock Market)

Overview:

The stock market crash of 2008 has proven one thing: traditional retirement planning advice is way too risky. Trusting the stock market is like gambling with your family’s future. But how does one plan for retirement without the possibility of losing up to 50 per cent of your investment value within a matter of months?

The simple truth is that it is possible to retire financially well using guaranteed, safe fixed-income products like GICs that can never decline in value combined with government defined benefit pension plans including CPP and OAS. This course will detail the non-traditional view to money management that many investment advisors don’t want to talk about.

Course Content:

In this course you will gain knowledge about the following topics:

• The Antidote: A simple six-point plan for financial freedom
• How well the stock market has done versus the risk-free benchmark of GICs going back 50 years in Canada and 30 years in the US. Find out who wins … and by how much
• The basic types of returns you can calculate and the importance of understanding time- versus money-weighted returns
• The safest investing strategy on earth - stay in 100% fixed income products using the laddered GIC strategy
• RRSPs versus the alternatives - see what the best option is for you to secure a comfortable retirement, 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
• How to get the best GIC rates
• A look into the future - 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

This course includes the following free spreadsheets:

• RRSP vs Pay Down Debt Calculator
• RRSP vs Outside vs TFSA Calculator
• RRSP vs Retaining Profits in a Corporation Calculator
• Money Maximizer

Learning Objectives:

Upon completing this course, you should be able to:

• Learn why the stock market is a very risky place to be
• Explore an alternative strategy that has zero risk because it uses 100% GICs
• Discover whether RRSPs are the best vehicle to save for retirement
• Explore another guaranteed strategy – paying off debt rather than investing
• Find out what future stock market returns and interest rates are likely to be
• Use the Money Maximizer spreadsheet to see if you’re on track for a comfortable retirement

Who Will Benefit:

Those interested in helping themselves, their friends, and clients to retire well without having to take excessive risks.