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Modern Investing Low-fee investing without having to do all the work yourself. Modern Investing does Investments, Ins

Both TFSAs and RRSPs can help Canadians save and invest, but they work differently.TFSA: Contributions aren't tax-deduct...
10/26/2026

Both TFSAs and RRSPs can help Canadians save and invest, but they work differently.

TFSA: Contributions aren't tax-deductible, but investment growth and eligible withdrawals are generally tax-free.

RRSP: Contributions are generally tax-deductible, and withdrawals are generally taxable.

Which makes more sense? That depends on factors such as your income, tax situation and financial goals.

Understanding your options is an important step toward making informed decisions. Need help? Contact us at ModernInvesting.ca

What happens when your investment returns begin generating returns of their own?That's compound growth.Over long periods...
10/23/2026

What happens when your investment returns begin generating returns of their own?

That's compound growth.

Over long periods, compounding can help your investments grow beyond what you contribute alone. Starting early and contributing consistently can give your money more time to compound.

Remember: investment returns aren't guaranteed, and growth won't happen in a straight line.

Time can be a powerful advantage when paired with patience. Need help? We are here for you. Contact us at ModernInvesting.ca

Before investing for long-term goals, consider whether you have a financial cushion for unexpected expenses.A common gui...
10/21/2026

Before investing for long-term goals, consider whether you have a financial cushion for unexpected expenses.

A common guideline is to build an emergency fund covering 3–6 months of essential expenses, adjusted to your circumstances.

Having accessible savings can help you handle surprises without needing to sell investments at an inconvenient time or rely on expensive debt.

Financial confidence starts with preparation.

Asset allocation is how you divide your investments among different asset classes, such as stocks, bonds and cash.Each s...
10/19/2026

Asset allocation is how you divide your investments among different asset classes, such as stocks, bonds and cash.

Each serves a different purpose, and the right mix depends on your goals, timeline and comfort with risk.

There isn't one perfect allocation for everyone. The goal is to build a portfolio that fits your financial plan.

Modern Investing helps you focus on the bigger picture. Visit ModernInvesting.ca to learn more.

Where you invest matters — but how you divide your investments matters too.That's where asset allocation comes in.Asset ...
10/03/2026

Where you invest matters — but how you divide your investments matters too.

That's where asset allocation comes in.

Asset allocation is how you spread your portfolio across different types of investments, such as:

📈 Equities — potential for long-term growth
💵 Fixed income — income and stability
💰 Cash — liquidity and short-term needs

The right mix depends on factors like your goals, timeline and tolerance for risk.

There isn't one perfect allocation for everyone.

The goal is to build a portfolio that makes sense for you — and your financial plan. You don't need to figure it out alone, contact Josh Armstrong at ModernInvesting.ca and let's build a plan for you.

The final quarter of 2026 is almost here.Before the year gets away from you, take a few minutes to check in with your fi...
09/22/2026

The final quarter of 2026 is almost here.

Before the year gets away from you, take a few minutes to check in with your financial plan.

Ask yourself:

1️⃣ Have my goals changed?

2️⃣ Has my financial situation changed?

3️⃣ Does my investment strategy still make sense for where I'm going?

Your financial plan shouldn't be something you look at once a year and forget about.

Life changes. Markets change. Your strategy may need to change too.

A strong financial plan grows with you, contact us if you need help with your goals https://moderninvesting.ca/reach-us

There may be some encouraging news in Canada's job market.Employment increased by 75,000 jobs in July, while Canada's un...
09/16/2026

There may be some encouraging news in Canada's job market.

Employment increased by 75,000 jobs in July, while Canada's unemployment rate edged down to 6.4% (Canada: July Job Gains Offer Relief, With Ground Still to Cover, Desjardins).

It's a positive sign — but one month doesn't tell the whole story.

For investors, employment is one of the economic indicators worth watching because a stronger labour market can influence consumer spending, business activity and the broader economy.

The takeaway? Don't focus on one number. Look at the bigger picture.

Back-to-school season isn't just about new backpacks and school supplies. It's also a great opportunity to teach kids ho...
09/07/2026

Back-to-school season isn't just about new backpacks and school supplies. It's also a great opportunity to teach kids how money works.

Three simple lessons to start with:

💰 Needs vs. wants — Not everything we want needs to become a purchase.

🎯 Saving for a goal — Help them choose something they want and work toward it.

📊 Making choices — A budget isn't about saying “no” to everything. It's about deciding what's most important.

Financial literacy starts long before someone's first paycheque.

What was the best money lesson you learned growing up?

Canada and the U.S. are heading into this month with trade tensions still front and centre.The U.S. recently imposed new...
09/02/2026

Canada and the U.S. are heading into this month with trade tensions still front and centre.

The U.S. recently imposed new 50% tariffs on certain Canadian imports, while Canada has announced retaliatory tariffs on more than 700 U.S. products beginning September 8 ("Canada announces $20bn retaliatory tariffs as US trade war escalates", Financial Times).

For investors, the bigger question isn't simply “What happens next?”

It's how businesses, supply chains and markets respond to a changing trade environment.

Periods of uncertainty are a good reminder of why diversification and a long-term investment strategy matter.

The headlines will change. Your financial goals shouldn't have to. Worried they might? Book a call with Josh Armstrong to discuss your financial plan at https://moderninvesting.ca/reach-us , or email us at [email protected]

You deserve to look forward and enjoy your retirement. Here at Modern Investing we use tailored strategies to ensure you...
06/01/2026

You deserve to look forward and enjoy your retirement. Here at Modern Investing we use tailored strategies to ensure you secure a comfortable retirement, all while balancing your income, savings, and expenses.

Give us a call today or contact us to discuss more at https://moderninvesting.ca/reach-us

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6-176 Lakeshore Drive
North Bay, ON
P1A2A8

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(705) 477-2433

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