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Understanding Risk in Investment Strategies

December 21st, 2023 by

While it’s true that all investments carry some element of risk, the amount of risk can vary significantly. As an investor, it’s important for you to understand your risk tolerance and match it to your investment strategy. Risk and investment are two sides of the same coin, interdependent and inseparable. While risk can often be [&hellip

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There’s No Reason to Delay Your QROPS Pension Transfer

September 14th, 2023 by

If you are a UK expatriate living in Canada, you may be wondering what to do with your UK pension. The answer? Consider transferring it to a Qualifying Recognized Overseas Pension Scheme (QROPS) in Canada. Introduced in 2006, QROPS has been a well-established method of pension transfers for those moving overseas. Let’s explore the key [&hellip

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Understanding Defined Benefit and Defined Contribution Pensions

June 20th, 2023 by

Retirement planning is a crucial aspect of financial stability, and for individuals looking to transfer their UK pensions to Canada, understanding the differences between defined benefit (DB) and defined contribution (DC) schemes is essential. In this blog, we’ll delve into the distinctions between DB and DC pensions, shedding light on their unique characteristics and implications [&hellip

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The Value of Ongoing Financial Advice

March 21st, 2023 by

At Sterling Advisory, a successful QROPS transfer is just the beginning. We continue to work with our clients, making their needs a priority and helping them build a sound financial plan in Canada. But why is ongoing financial advice so important? First and foremost, life is unpredictable. Your financial situation can change at any moment, [&hellip

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What are the differences between segregated funds and mutual funds?

November 10th, 2022 by

As investors, we are always looking for the perfect balance between risk and reward, and there are several investment options to help you achieve this goal. Let’s look at two of the most popular alternatives: mutual funds and segregated funds. Mutual Funds A mutual fund is an investment product. With mutual funds, investors pool their [&hellip

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Navigating Bear Markets

September 21st, 2022 by

When markets are up and your portfolio is growing, investing can seem so easy. To build wealth over the long term, though, you’ll need to successfully navigate bear markets, or market downturns. Interestingly, success during bear markets comes more from your investment approach and preparation than any actions you might take during a market downturn. [&hellip

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QROPS Transfers: Helping Clients Avoid Pain Points

May 19th, 2022 by

It’s definitely worthwhile to investigate the advantages of a Qualifying Recognized Overseas Pension Scheme (QROPS) pension transfer. However, to complete a QROPS pension transfer, you must navigate many bureaucratic processes, and this is a job you should not undertake without expert help

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QROPS and Taxes: The Implications

March 8th, 2022 by

If you hold a personal or company UK pension, and you’re a Canadian-resident taxpayer who will be living in Canada for at least 5 years a Qualifying Recognized Overseas Pension Scheme (QROPS) transfer may produce significant tax benefits for you

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The QROPS UK Pension Transfer Process

September 15th, 2021 by

If you transfer your UK pension into Canada, you must move the funds into recognized financial vehicles approved by the QROPS process. Depending on the circumstances, that would be either a RRSP (Registered Retirement Savings Plan) or a RRIF (Registered Retirement Investment Fund.)

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