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Insights: Napoleon, tax-free investing, 10 themes for 2022 + Maya Angelou

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Good reads:

·        Weekly Investment Strategy

·        How Much Does Experience Matter?

·        The tax figures and changes you need to know for 2022

·        Own foreign property, including stocks? Better tell the CRA on time or face a penalty

·        Video: Outlook 2022 – COVID could still upend goldilocks forecast

·        5 tips for getting your finances in order in 2022

·        Some tongue in cheek: Predictions 2022-20??

Best quote of the week:

“Hoping for the best, prepared for the worst, and unsurprised by anything in between.” – Maya Angelou



In the media:


In my most recent TV interview, I talk about supply chain issues, seasonality, and some of the key takeaways from 2021 that investors should carry with them into 2022. I also manage to talk about Napoleon and toilet paper! Watch it here:


Best visual of the week:

If you haven’t maximized your TFSA but have excess cash on hand, you may wish to consider contributing up to your allowable maximum. Here is a great infographic that shows the benefits of compounding within a tax-free environment.

Here is another great visual. This one doesn’t need much explanation from me!

You’re Invited: Ten Themes for 2022

Please join us for a special zoom webinar with Raymond James Chief Investment Officer, Larry Adam. 

This presentation details our ten themes for the next investing year, highlighting the key trends and opportunities we see.

Date: January 20, 2022

Time: 10:00 am PT/ 1:00 pm ET

Guest Speaker:

Larry Adam, CFA, CFP

Chief Investment Officer

Raymond James Financial Inc.

Larry Adam joined Raymond James in 2018 from Deutsche Bank, where he held the dual roles of

Chief Investment Officer – Americas, and Global Chief Investment Strategist for Deutsche Bank Wealth Management. Larry’s areas of expertise include investment strategy, asset allocation analysis, portfolio construction, and implementation. Larry has a B.B.A. and a master’s degree in business with a concentration in finance from Loyola University Maryland, where he also serves as an adjunct

professor for international finance.

Contact me to register for the event:

Reminder: TFSA and RRSP contributions

Tax-Free Savings Accounts

·        Annual contribution limit for 2022 is $6,000, and the cumulative total is $81,500.

·        Investment income generated within a TFSA is not taxable.

·        No deadline for contributions.

Registered Retirement Savings Plans

·        Check your notice of assessment from CRA to find out your contribution limit.

·        Contribution limit is equal to 18% of earned income in the previous year minus an individual’s pension adjustment, up to an annual limit.

·        Maximum contribution for 2021 is $27,830, assuming no prior year carry-forward room exists.

·        Deadline for contributions is March 1, 2022.


Beyond the markets:

A new US quarter featuring the late Maya Angelou went into circulation, making her the first Black woman ever to appear on the coin.

Most people know Maya Angelou for her amazing poems and civil rights activism, but she was also an accomplished actor, singer, songwriter, dancer, playwright, historian, and teacher. Here are some other interesting facts about her:

·        Maya’s older brother, Bailey Jr., nicknamed her “Maya,” meaning “my sister.”

·        She was fluent in six languages: English, French, Spanish, Italian, Arabic and West African Fanti.

·        During her young adulthood, Angelou became the first Black woman to work as a streetcar conductor in San Francisco.

·        She was the first African-American female member of the Directors Guild of America.

·        Angelou won three Grammy awards.

·        Although Angelou stood 6 feet tall, she managed to carve out a career as a dancer as a young woman. She even danced with the likes of Alvin Ailey.

·        Angelou was nominated for a Tony Award for her performance in “Look Away” (1963), despite the fact that the play closed on Broadway after only one performance.

·        Angelou recited her poem “On the Pulse of Morning” at Bill Clinton’s presidential inauguration in 1993, becoming the second poet ever to read a poem at a presidential inauguration.

·        She won the Presidential Medal of Freedom in 2011.

·        She never went to college but has received more than 50 honorary degrees.

Sources: CNN, Britannica, Buzz Feed, ThoughtCo

Thanks for reading and wishing everyone a fabulous weekend! 



Kim Inglis, BCom, CIM, PFP, FCSI, CAFA

Financial Advisor & Associate Portfolio Manager

T: 416.777.6417 (Toronto)

T: 604.654.1160 (Vancouver)

T: 250.979.1803 (Kelowna)

TF: 1.877.363.1024

The opinions expressed in this newsletter are those of the Financial Advisor Kim Inglis, BCom, CIM, PFP, FCSI, CAFA and not necessarily those of Raymond James Ltd. (“RJL”) or Raymond James (USA) Ltd. (“RJLU”). Statistics, factual data and other information presented are from sources, believed to be reliable but accuracy cannot be guaranteed. It is furnished on the basis and understanding that Raymond James Ltd. and Raymond James (USA) Ltd. is to be under no liability whatsoever in respect thereof. It is for information purposes only and is not to be construed as an offer or solicitation for the sale or purchase of securities. Raymond James Ltd. and Raymond James (USA) Ltd. financial advisors may only transact business in provinces and/or states where they are registered. Follow-up and individualized responses involving either the effecting of or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in provinces or states where the financial advisor is not registered. Raymond James Ltd. is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund. Raymond James (USA) Ltd., member FINRA/SIPC. This provides links to other Internet sites for the convenience of users. Raymond James Ltd. is not responsible for the availability or content of these external sites, nor does Raymond James Ltd endorse, warrant or guarantee the products, services or information described or offered at these other Internet sites. Users cannot assume that the external sites will abide by the same privacy policy which Raymond James Ltd adheres to.


Source – The Benefits of Tax Free Investing:

Canada Revenue Agency:

* In certain provinces and territories, the legal age at which an individual can open a TFSA is age19. This image was prepared as a general guide only and is not intended to provide or replace professional investment or tax advice. For your own specific situation, please consult your own tax and investment advisors. The values illustrated are not guaranteed. They are based on numerous assumptions that are certain to change and are neither an estimate nor a guarantee of future performance. Actual results will vary over time and may differ from the example provided.

Securities-related products and services are offered through Raymond James Ltd., Member-Canadian Investor Protection Fund. Insurance services are offered through Raymond James Financial Planning Ltd., which is not a Member-Canadian Investor Protection Fund.

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