For a future that adapts to you
Info Finandicap | December 2025
Finandicap: prepare for tomorrow
Several of you have already started the transfer process to IA Private Wealth.
Finandicap provides access to iA Private Wealth services. This new partnership offers you personalized management designed to meet the specific needs of each family. The platform gives access to a wide range of investment options—including ETFs, stocks, bonds, and mutual funds—to build high-performing portfolios tailored to your profile. In addition, the review of fee structures and access to innovative products and strategies, particularly for RDSPs, help reduce long-term management costs and maximize your net returns.
Schedule an appointment with your advisor today to sign the necessary documents and position yourself advantageously in this new partnership.
Holiday Schedules
Please note that our offices will be closed from December 24 to January 4, inclusive.
During this period, we will operate an emergency service. For urgent transactions or those with a tax impact for the year 2025, this service will be available on December 29 and 30.
We strongly recommend finalizing all your requests for the year 2025 before December 17.
To have your contributions count for the 2025 tax year, remember this simple rule: the RRSP allows extensions, while all others stop at midnight on December 31!
For your RRSP, you have until early March 2026 for contributions to still be applied to your 2025 income.
For the TFSA, the FHSA, RESP, and RDSP, the calendar decides: any contribution made by December 31, 2025, will count for the 2025 year. Consider setting a reminder before the holidays to “pay your future self”.
Market review
Over the past two months, stock markets have continued their upward trajectory, driven primarily by large technology companies and growth stocks, while smaller capitalization stocks struggle to keep pace. Inflation continues to approach central banks’ targets, reassuring investors and supporting the notion that rate cuts could continue gradually. Despite some concerns about valuations, particularly in AI-related sectors, quarterly results from major U.S. companies have widely exceeded expectations, bolstering market confidence.
In the bond sector, the easing of long-term rates allowed fixed income markets to post positive returns, especially in high-quality credit bonds. Mutual funds performed well overall, notably balanced funds and those focused on global markets.
Guillaume Parent, co-founder of Finandicap, presents a series of true and captivating short videos on the daily life of a person living with a mobility-limiting disability. With a clever mix of humor, emotion, and simplicity, he shares authentic and inspiring moments, breaking stereotypes and offering a realistic and human perspective.
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