WELCOME TO OUR JULY RECAP!

We're excited to share all our latest tips and insights about managing your money this month. Whether you are looking for ways to save, or just want to stay on top of your finances, we're here to keep you informed and connected!

Should You Help Your Kids Buy a Home?

5 Financial Filters to Think Through First



With home prices continuing to rise across Canada, many adult children are turning to their parents for help entering the market—and many parents are saying yes. But generosity without a plan can put your retirement, estate plan, and family harmony at risk.

In our latest article, we explore the five key questions every parent should ask before gifting, lending, or co-signing on a home purchase.

🏡 Can you afford to help without compromising your retirement?

🤝 Should you gift, loan, co-sign, or explore joint ownership or trusts?

⚖️ How will your decision affect your other children—and your estate?

⚠️ What legal and tax risks do you need to understand?

📑 Why clear agreements and communication matter more than ever

We also share government programs like the FHSA, HBP, and provincial tax credits that can help lighten the financial load for first-time buyers.

If you’re considering helping your kids buy a home, this guide will help you do it wisely—without jeopardizing your own financial future.

🔗 Click here to read the full article 🔗

JULY 2025 MARKET SUMMARY

Markets were quiet in July as investors reflected on June’s rebound and awaited fresh economic data amid inflation uncertainties and mixed signals from central banks.

Market Performance at a Glance

• Dow Jones Industrial Average: +0.2% (YCharts)
• S&P 500: +2.2% (YCharts)
• Nasdaq Composite: +3.7% (YCharts)
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Both the S&P 500 and Nasdaq hit fresh record highs powered by tech earnings and broad optimism despite geopolitical tensions. (The Wall Street Journal)

Consumer Confidence

• U.S. Consumer Confidence (Conference Board): rose to 97.2 from 95.2 in June (The Conference Board)
• Consumer sentiment improved slightly but remained below pre-2025 levels, reflecting lingering uncertainty.

Inflation & Central Bank Signals

• U.S. Core PCE inflation (June): up 2.6% year-over-year (The Conference Board, Plus500)
• Inflation stayed elevated, reinforcing caution among central bankers pending clearer data.
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Investor Takeaways

• Stay diversified: Tech strength helped drive gains, but remaining exposures matter.
• Rebalance thoughtfully: Especially after June’s rally, ensure allocations stay aligned with goals.
• Watch inflation data closely: Policy is still data-driven amid ongoing uncertainties.
• Keep long-term focus: July was subdued, plan for volatility, not just upside.

Why This Matters

July’s combination of stabilization in equities, persistent inflation, and mixed economic sentiment underscores the value of disciplined, long-term portfolio strategies. At DO Wealth, we're committed to guiding your financial journey through shifting markets.

FINANCIAL TERM OF THE WEEK:

BONDS



Back to the basics: when it comes to investing, it all starts with stocks and bonds. While stocks represent ownership in a company, bonds represent a loan you make to a government or corporation in exchange for regular interest payments and the return of your principal at maturity.

Because of this structure, bonds are often viewed as the more stable counterpart to stocks—providing predictable income and helping reduce volatility in your portfolio. They’re a cornerstone for conservative investors and a key piece of most retirement income strategies.

But not all bonds are equal. Credit quality, interest rates, and time to maturity all affect how a bond performs and how much risk it carries. Understanding these variables can help you better align your portfolio with your goals, especially when markets get choppy.

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