These are the biggest myths in personal finance — and they'll cost you if followed blindly

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Canadians get financial advice from all directions, but sometimes even the most common maxims aren\u0027t what they\u0027re cracked up to be. Read on.

High dividend stocks in Canada tend to be from a handful of sectors like banks, telecommunication companies and utility companies. Financials, communication services and utilities make up less than one-quarter of the S&P 500 — that gives you a sense of how undiversified a Canadian dividend portfolio can be for an investor.. But the point is dividends may not be as special as they are cracked up to be.

Stocks can be riskier depending upon how you buy them. If you put all your money into a junior oil stock, there is a greater chance your investment goes boom or bust. An undiversified portfolio can be very risky. If you own 20 or more stocks from different industries or geographies, either directly or through an exchange traded fund or mutual fund, your risk drops dramatically.Article content

The 2023 annual report from the board of trustees for the U.S. equivalent of CPP, Social Security, warned that funds may run short by 2034 and require a 20 per cent decrease in the benefits paid to pensioners without congressional intervention., a Crown corporation that holds CPP funds from contributors for paying pensions. The Chief Actuary of Canada does an independent triennial report on the CPP and most recently said it should be sustainable for the next 75 years.

. That is, unless you have an employer matching contributions. The higher your income is above $50,000, the more beneficial an RRSP contribution becomes.

 

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