Quarterly commodity price update

Canadian Market Summary

Written by Nitin Manohar
July 11, 2018

We have updated our commodity price forecasts, along with our company estimates, valuations, and select target prices and ratings.

Oil Markets: Announced OPEC+ group supply growth targets work against demand seasonality and recent unplanned supply outages. Our global supply-demand balancing assumptions have not changed dramatically on a net basis as a result. Consequently, our crude oil price deck moves modestly higher for benchmarks WTI and Brent in 2018, but remain unchanged in later years. Importantly, our assumptions concerning Canadian light sweet and heavy differentials were significantly widened, illustrating ongoing transportation bottlenecks within the Western Canadian Sedimentary Basin (WCSB).

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What to know about early retirement

How to prepare

Written by Nitin Manohar
July 6, 2018

When you’re in your 20s or 30s, retirement may feel like a distant goal; a finish line that you get to cross in your older years after decades of hard work. It’s not uncommon to spend decades building a life – a family, a career, a home – protecting and growing your wealth with the hopes of one day taking a step back to enjoy it all (stress-free, of course).

We want this dream retirement for everyone, but with a few stipulations. First of all, we strive to help clients enjoy their wealth before retirement – not just after they’ve crossed that proverbial finish line. Secondly, we don’t think you have to reach a certain age to retire. If your goal is to retire young (a loose term, we know), there are a few things to consider. You may be in your early 30s with a successful business and a substantial portfolio, or feel that retiring at 45 or 50 is ideal – the decision is extremely personal and depends on your goals, lifestyle and financial situation. Whatever the “early” age, we can guide you through and ensure that your needs and covered today, tomorrow and for the rest of your life. In the meantime, here are some things to consider before taking the plunge (or slow glide) into retirement.

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