4th Edition of the Steady Gains Newsletter

Setting Your Kids Up for Success

Time is an investor's most powerful asset. The principle of compounding, where your returns begin to generate their own returns, can create remarkable wealth over the long term. It's a lesson rarely taught in school.

To help bridge that gap, we've created a resource for the young people in your life, designed to provide the financial foundation they need.

Find it here: thecaldwellgroup.ca/your-money-journey

Multiply Your Charitable Impact

As year-end approaches, it's an opportune time to plan your charitable giving. The structure of your donation can make a significant difference, and a powerful, tax-efficient strategy is to gift publicly traded securities directly from your non-registered account, rather than donating cash.

This approach can eliminate the capital gains tax that would otherwise be due, potentially providing a substantial tax benefit on top of the regular donation tax credit.

If philanthropy is a cornerstone of your financial plan, we can help you build a strategy to multiply the impact of your generosity.

Let us know if this is a conversation you would like to start.

 

Powering the AI Revolution

The market’s dominant theme is Artificial Intelligence. The less-told story is the staggering amount of energy required to power it, which has created a surprising winner: so far this year, US utilities have outperformed US tech.

The reason is simple: the massive data centers powering the AI revolution require staggering amounts of electricity. This has created a surge in demand for power, directly benefiting utility companies. It’s a classic “picks and shovels” play on a major technological trend, and a reminder that the most obvious investment isn't always the most profitable.

 

Justin Caldwell
Senior Investment Advisor, Portfolio Manager
Caldwell Group