Susan Daley

CFA, CFP, Associate Portfolio Manager

Susan Daley is an Associate Portfolio Manager at PWL Capital Inc. She is passionate about simplifying complex financial ideas to help clients achieve their financial aspirations. She runs a YouTube Channel with the same mandate, called Your Money, Your Choices.
Susan Daley is an Associate Portfolio Manager at PWL Capital Inc. She is passionate about simplifying complex financial ideas to help clients achieve their financial aspirations. She runs a YouTube Channel with the same mandate, called Your Money, Your Choices.
Personal Wealth

Everything You Need to Know About RESPs

Your child’s post-secondary education might be decades away, but planning ahead can make that expensive time in your lives much less stressful. One of the major ways to do that is through the Registered Education Savings Plan (RESP), which offers up to $7,200 in incentives for you to save for your child’s education over the long term.

Starting Out
Students Studying Together Desk Drinking Coffee

5 Ways to Pay for Post-Secondary Education

If you’re looking to fund your own or your child’s education but haven’t regularly saved for several years towards those expenses, there are a number of options for paying for expensive tuition, housing and textbook costs. In today’s post, I’ll outline the 5 ways you can pay for education costs or put away short-term savings for it.

Starting Out
Graduation Day Throwing Hat by vasily koloda on unsplash

Student Loan Debt Repayment Case

In this episode of Your Money, Your Choices, Susan uses a concrete example of a new graduate paying off student and car loans to show how small differences in your debt repayment strategy can add up over time and save you interest costs and reduce the time it takes to pay off debts.

Starting Out
Mother Daughter Counting Money Coins Piggy Bank

How to Build an Emergency Fund

Financial planners and advisors across Canada suggest you should save 3 to 6 months worth of expenses in an emergency fund. You’ve figured out how much you are aiming for, using some of the guidelines from my last video perhaps.

Starting Out
Four Friends Racing Parking Lot With Shopping Cart

Index Mutual Funds vs. ETFs

Index mutual funds and their corresponding ETF’s are very similar in terms of their holdings. So how do you which one is best? Like most things in personal finance, the decision will ultimately come down to your personal situation and preferences.

Starting Out
Person Paying With Credit-Card by rawpixel on unsplash

What You Need To Know About Debt

Debt is an everyday fact of life for many. Whether it’s student loans, car loans, or mortgage debt, most of us have experienced it at some point in our life. One of the key things to reduce debt’s hold over you is to understand how it works so you can develop a plan to pay it off over time.

Starting Out
blank empty envelope on pexels

Implicit Fees in Investing

I’ve come across many Canadians who don’t think they pay any fees to invest their money. Fortunately, the number of people that are under this impression is falling due to increase exposure. While you might not be swiping your credit card, there are a number of fees that get paid when you invest your money.

Starting Out
Older man sitting bench reading by ihor malytskyi on unsplash

Explicit Investment Fees

Even if you’re the most cost-conscious DIY investor, there are fees to pay when investing your money. Some are straightforward and transparent, others are less so. Today’s episode of Your Money, Your Choices focuses on the transparent and explicit fees you may pay to invest your money.