The VPG Bulletin | September 2016 Edition

SEPTEMBER 2016

Every year, back-to-school season bombards us with new products, new trends and new promises for success, weight loss, living 100 years and getting rich. In this frenzy of publicity, it's not easy to make sense of things. Your best allies? Common sense, critical thinking and, for all money matters, our team.

How should we plan the financing of higher education? What are the benefits of an RESP? Is it better to invest in an RRSP or an RESP? When can I start receiving payments from the RESP and what will be the fiscal impact? For all these questions and before making any financial decision, contact us.

Happy reading!

Francis, Gilles & Josée

With tuition costs on the rise, parents should start RESP early

Image source: www.ctvnews.ca

Parents looking at the bills rolling in as students head off to university and college may be wishing they had saved more.

But if you're not at that stage yet, financial advisers say, it's important to start early and put aside as much as possible.

Review: Stephen Le examines the history of eating in 100 million years of food

Image source: www.theglobeandmail.com

Twenty years ago, after suffering from an assortment of uncomfortable physical symptoms, I found out that I was sensitive to eating gluten. Ever since then, my relationship to the foods I eat (and those I actively avoid) has changed.

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Team

Francis Sabourin
Director, Wealth Management
Portfolio Manager
Tel.: 514.989.4844 • Email

Gilles Deraspe
Portfolio Manager
Tel.: 514.981.5770 • Email

Sabourin Deraspe
Wealth Management
1250 René-Lévesque Blvd. West
Suite 1500
Montréal, QC H3B 4W8
Email • .Website

The opinions expressed in this report are the opinions of the author and readers should not assume they reflect the opinions or recommendations of Richardson GMP Limited or its affiliates. Assumptions, opinions and estimates constitute the author's judgment as of the date of this material and are subject to change without notice. We do not warrant the completeness or accuracy of this material, and it should not be relied upon as such. Before acting on any recommendation, you should consider whether it is suitable for your particular circumstances and, if necessary, seek professional advice. Past performance is not indicative of future results. The comments contained herein are general in nature and are not intended to be, nor should be construed to be, legal or tax advice to any particular individual. Accordingly, individuals should consult their own legal or tax advisors for advice with respect to the tax consequences to them, having regard to their own particular circumstances. Insurance services are offered through Richardson GMP Insurance Services Limited in BC, AB, SK, MB, NWT, ON, QC, NB, NS, PEI and NL. Additional administrative support and policy management are provided by PPI Partners. Richardson GMP Limited is a member of Canadian Investor Protection Fund. Richardson is a trade-mark of James Richardson & Sons Limited. GMP is a registered trade-mark of GMP Securities L.P. Both used under license by Richardson GMP Limited.