Financial strategy for young adults aged 18 to 35

A financial strategy is a plan that helps you organize your finances according to your goals.It takes into account your current situation, your budget, your investment horizon and your plans, such as buying a property, studies, family or retirement.

From the age of 18, although there is no ideal age, but the earlier you start, the more time you have to develop good financial habits and grow your savings.Even with small amounts, it is possible to gradually build a strategy adapted to your reality.

Yes.A financial strategy isn't solely dependent on your income. The important thing is to start with a realistic plan and contributions that fit your budget.Over time, your strategy can evolve at the same pace as your income and projects.

Priorities vary from person to person, but they often include:establish a budget;to build up a precautionary savings fund;start investing gradually;preparing to buy a first property;plan projects in the medium and long term.

Yes.Even with a limited budget, the student years are a good time to develop sound financial habits. Learning to manage your budget, building up an emergency fund, or starting to invest gradually can make future projects easier, such as buying a first property, pursuing higher education, or making initial investments.At Actif santé financière , we adapt our support to your reality, whether you are a student, young professional or at the beginning of your career.

There is no single diet that is systematically suitable for everyone.You can also hold several plans and use them for different projects, while respecting the rules and contribution rights specific to each.The important thing is to start saving according to your means and to review your choices as your situation and plans evolve.

Yes, it is possible to hold and contribute to different plans, such as a TFSA, a TFSA-APP, or an RRSP, subject to the rules and contribution limits applicable to each. How you allocate your savings among these plans depends on your situation, your plans, and your goals.

Yes.A financial strategy is not set in stone. A job change, buying a property, the birth of a child, or a new project can all change your priorities.That is why it is recommended to regularly review your action plan.

At Actif santé financière , we take the time to understand your situation, your projects and your objectives in order to build a personalized action plan.Our support evolves with your reality, to help you make informed financial decisions at every stage of your life.

Although these professionals can work together, their roles and areas of expertise are different.A financial security advisor will assist you, in particular, in analyzing your needs in terms of financial protection and insurance.The financial planner (Pl. Fin.) has specialized training that allows him to address different dimensions of a person's financial situation, including financial, tax, inheritance, legal, retirement, investment and insurance aspects, within the limits of his scope of practice.At Actif santé financière, some of our advisors also hold the title of financial planner. This dual expertise allows them to integrate a more comprehensive view of your situation into their support, particularly when your savings and investment plans are part of broader financial objectives.Depending on your situation and needs, the various areas of expertise within our team can be utilized.

When your financial situation becomes more complex or several projects need to be considered together, the expertise of a financial planner can be valuable. For example, when buying a property, experiencing a significant change in your family or professional circumstances, or when you simply want a more comprehensive overview of your finances.At Actif santé financière, this expertise can be used depending on your situation and needs.