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Unconventional Wisdom

Unconventional Wisdom

Written by: Ed Rempel
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Welcome to the Unconventional Wisdom podcast. The show that helps you achieve financial security & freedom. Insights based on in-depth experience from Canada's #1 financial planner blogger. Find out what really works. Your host, fee-for-service financial planner & tax accountant, Ed Rempel.2023 Economics Personal Finance
Episodes
  • Don't Let Today's Headlines Wreck Your Retirement
    May 7 2026

    Gas prices are up from about $1.30/litre to $1.75/litre across Canada this year.

    There is conflict in Iran. Markets are reacting to geopolitical uncertainty once again.

    So what should investors actually do during times like this?

    Should you move more conservative?

    Or is reacting emotionally what hurts investors most?

    In my latest video, podcast episode and blog post you'll learn:

    • If you go conservative, when do you buy back in?

    • Does politics affect the markets much?

    • When will a year not be an "uncertain time"?

    • Does market timing work? What do studies say?

    • What is the "Go Kart Strategy" of investing?

    • The one way to time the market effectively.

    • The good news and bad news of planning for retirement.

    • What is the one thing most investors get wrong?

    • Why you need to keep your foot on the gas to get the long-term market returns.

    • What is Ed's personal strategy?

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    17 mins
  • Multi-Millionaire's Dilemma: Stay in Stocks or Go Conservative After Retiring?
    Apr 23 2026

    You've worked hard, built up a few million dollars, and now you're seventy-five, retired, and staring at your portfolio wondering — do I really need to keep riding the stock market rollercoaster?

    Or is it finally time to play it safe?

    That's the multi-millionaire's dilemma, and it's a lot more common than you might think.

    We have seen it many times. Far more money than you will spend during your life.

    Continue investing for growth or switch to conservative?

    In my latest video, podcast episode and blog post you'll learn:

    • What is the "Multi-Millionaires' Dilemma"?

    • Why consider going conservative?

    • Why consider continuing to invest for growth?

    • What is the maximum that equities are likely to be down at the end of your life?

    • What are the odds equities are down over periods of 5, 10, 15 or 20 years?

    • How much growth are you likely giving up by switching from equities to GICs?

    • Can the numbers make this clearer?

    • What is your money for?

    • Why Ed will be 100% equities his entire life.

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    15 mins
  • Living Healthy Past Age 100 – Will Your Retirement Plan Survive?
    Mar 26 2026

    Last week, I revealed my longevity journey, introduced some of the explosive developments, and why we may be able to start living significantly longer within the next 10–20 years.

    Living with health and vitality past age 100 could become common.

    What happens to your money if that happens?

    If we live 20 more years, can we actually be retired for those 20 years?

    How much more would we need to save—or how much longer would we need to work?

    In my latest video and blog post, you'll learn:

    • Why would we want to live decades longer?

    • Would it be good for society?

    • How much more would you have to save to be retired 20 more years?

    • How many more years would you need to work?

    • How are these different depending on the allocation of your portfolio?

    • What is likely to happen to CPP, OAS, company pensions and annuities?

    • What is likely to happen to life insurance?

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    18 mins
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