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VPG Bulletin
January 2026

Hello everyone,
 
The arrival of a new year is a wonderful opportunity to make wishes that fuel both our aspirations and our ambitions.

We've drawn a line under 2025, but some things may have escaped your attention, such as National Geographic's best photos or the words of the year, chosen based on current events.

Finally, we can't wrap up 2025 without mentioning the most listened-to songs of last year… Here's a little hint to get you started: this 40-year-old American achieved a double victory, winning first and second place on this prestigious chart!

Our quarterly reviews

For our part, we are starting 2026 with a bang; the holidays did us a world of good.

We have just completed our quarterly reviews, available in English or in French. A little something new: AI helped Hossein with his French!

There were many shocks, particularly due to the tariff announcements made by President Donald Trump. Once the surprise had passed, the markets and businesses adapted to the new reality imposed by the occupant of the White House.

Despite everything, the year ended on a positive note. Several sectors/countries/industries pulled their weight.

Japan closed higher for the third consecutive year, Europe benefited from the spillover effects of its military spending, and the software sector remained strong despite a difficult start to the year.

Finally, we explain which sectors we are avoiding and why.

We have a surprise in store for you at the end of our reviews... Stay tuned and you will be pleased with the results of our discretionary management and the added value for our investors.

Happy New Year 2026, dear clients!

P.S. The start of the year means RRSP and TFSA contributions. Here are the limits for 2026: $33,810 for RRSPs, $7,000 for TFSAs, and $16,000 for FHSAs if you haven't contributed yet. The deadline to contribute to your RRSP is March 2 this year.


Francis, Michael, Hossein, Jean-Marc, Kristopher, Stéphane and Mélissa

 

The 6 Best Places to Travel in 2026 
Image credit: Steve Bidmead, Pixabay

When it comes to the best places to travel, 2026 is less about opulence and more about originality—places that blend culture, beauty and authenticity. That's according to a new list of trending destinations by luxury travel experts at OvationNetwork.
 
Read more
 

Retirement planning essentials: Checklist to get you ready

Image credit: RitaE, Pixabay

Even though you’re still busy working, the years and months before retirement are a key time to plan and prepare. And there’s a surprising amount on your to-do list when you’re approaching retirement. The following can help get all your tasks taken care of – whether you’re retiring in a few years or months. 
 
Read more
 

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Francis Sabourin
Portfolio Manager
Investment Advisor
Tel.: 514.989.4844  •  Email
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Francis Sabourin
Wealth Management

1250 René-Lévesque Blvd. West
Suite 1500
Montréal, QC  H3B 4W8

www.FrancisSabourin.com


The opinions expressed in this report are the opinions of the author and readers should not assume they reflect the opinions or recommendations of Richardson Wealth Limited or its affiliates. Assumptions, opinions and estimates constitute the author’s judgment as of the date of this material and are subject to change without notice. We do not warrant the completeness or accuracy of this material, and it should not be relied upon as such. Before acting on any recommendation, you should consider whether it is suitable for your particular circumstances and, if necessary, seek professional advice. Past performance is not indicative of future results. Insurance services are offered through Richardson Wealth Insurance Services Limited in BC, AB, SK, MB, NWT, ON, QC, NB, NS, PEI and NL. Richardson Wealth is a trademark of James Richardson & Sons Limited, used under license.
Adresse : 1250, boul. René-Lévesque Ouest Bureau 1500 Montréal (Québec) H3B 4W8 Canada