Steward Well Advisory

How much risk should you actually take when investing?

The answer isn’t the same for everyone.

Your age, income, net worth, investment knowledge, timeline and tolerance for risk can all help determine your **investor profile**.

And once you know your profile, you can start understanding what type of investment mix may actually fit you.

📌 Part 6: What type of investor are you?

Alberto Salguero
Financial advisor
519 830 0974

Stocks, GICs, private lending, real estate… the investment universe can get confusing very quickly.

But before deciding where to put your money, there’s a more important question to answer:

**How much risk can you actually take?**

That’s where your investor profile becomes important.

📌 Part 5: Understanding your investor profile.

Alberto Salguero
Financial advisor
519 830 0974

Your future self doesn’t want you to stop enjoying life. 👀

It just wants you to remember that every financial decision has a future version of you attached to it.

Enjoy the dinner. Take the trip. Buy yourself something nice.
But somewhere between enjoying today and planning for tomorrow, find a balance that works for you.

Small decisions today can make a big difference later. 💰

Follow for simple, practical financial education — without the boring lectures.

RRSP, TFSA, RESP, FHSA… what do all these accounts actually mean?

In Canada, different registered accounts are designed for different financial goals—from retirement and education to buying your first home.

Understanding the purpose of each one is an important step before deciding where your money should go.

📌 In Part 4, we’ll look at what happens when an investment is non-registered.

Alberto Salguero
Financial advisor
519 830 0974

Many people think buying **gold, silver, or Bitcoin** automatically means they're investing.

But there's an important difference between **trading** and **investing**—and understanding it can completely change how you make financial decisions.

Not every opportunity is an investment, and not every investment is the right fit for your goals.

📌 Follow for Part 3, where we'll explore the different types of investment accounts available in Canada and why choosing the right one matters.

Alberto Salguero
Financial advisor
519 830 0974

Most people use the words **investing**, **trading**, and **gambling** as if they mean the same thing.

They don't.

Understanding the difference is one of the first steps toward making better financial decisions and avoiding costly mistakes.

Before choosing where to put your money, make sure you know what you're actually doing.

📌 Follow for Part 2, where we'll look at why buying assets like gold, silver, or Bitcoin isn't always considered investing.

When your mortgage term ends in Canada, you renegotiate your interest rate.
This means your new mortgage payment may be higher or lower depending on the rate and terms available at renewal.
Don’t assume the first renewal offer from your lender is automatically your best option.

Before renewing:
Start reviewing your options several months in advance.
Compare rates and terms from different lenders.
Negotiate with your current lender.
Review your payment, amortization and prepayment options.
Make sure the new payment still fits your budget.

A mortgage renewal is not just paperwork. It is a new financial decision.

For educational purposes only. Individual circumstances may vary.

Many people keep waiting for the perfect moment to start investing.

They wait until they earn more, until the market feels safer or until life becomes less busy.

But the perfect moment may never arrive.

You do not need to have everything figured out before taking your first step. Starting small and being consistent can be more powerful than waiting for perfect conditions.

Stop waiting. Start acting.

For educational purposes only. Individual circumstances may vary.

A mortgage is only one part of owning a home.
Property taxes, insurance, maintenance, utilities, and renovations all affect your financial plan.
The more informed your decisions are, the stronger your long-term financial future can be.

For educational purposes only. This is general information and not personalized financial advice.
Alberto Salguero - 519 830 0974









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