Sherlock Yam, BBA, PFPC

Slide 1
Everyone agrees on one thing: life costs too much, and housing hurts the most.

Slide 2
Even when borrowing gets cheaper, many feel owning a home still isn’t realistic.

Slide 3
People don’t feel change yet—plans exist, but real-life wallets feel stuck.

Slide 4
Daily expenses matter more than big promises; cutting costs beats every other priority.

Slide 5
That uncertainty drives trust-seeking, pushing more Canadians toward expert financial guidance.

What Happens When Market Trust Breaks?

BoC holds rate at 2.25% as inflation stays near target, employment strengthens, and GDP growth exceeds expectations.

Strong labour gains and robust GDP raise talk of a possible future hike, despite the Bank signalling its easing cycle has ended.

Bank expects weak Q4 GDP due to export declines but sees 2026 pickup; next interest rate meeting is January 28, 2026.