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Your TFSA Investing Strategies Will Need A Rethink In 2023
The article “Your TFSA investing strategies will need a rethink in 2023” was originally published in Financial Post on January 5, 2023. Photo by by ChristianChan from Getty Images Pro. A changed financial landscape means these four strategies might require a rethink Tax-free savings accounts have been a go-to savings vehicle…
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A Strategy For Non-Registered and TFSA Accounts In Retirement
The article “A strategy for non-registered and TFSA accounts in retirement” was originally published in MoneySense on January 3, 2023 . Photo by Felicity Tai from Pexels. Between a TFSA and non-registered accounts, what is the most tax-effective way to withdraw to fund retirement? “I’ve got approximately $500,000 in non-registered…
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Estate Planning and Trusts For A Beneficiary with a Disability
The article “Estate planning and trusts for a beneficiary with a disability” was originally published in MoneySense on December 28, 2022. Photo by Cliff Booth from Pexels. Estate planning and trusts for a beneficiary with a disability, what type of professional is best? “I am wondering who I would reach…
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Is Now The Time For Retirees To Sell Stocks And Buy GICs?
The article “Is now the time for retirees to sell stocks and buy GICs?” was originally published in MoneySense on December 21, 2022. Photo by Mikhail Nilov from Pexels. Many people near or in retirement are worried about stock market volatility. Does it really make sense to put everything into…
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Is Now The Time For A Long-Term Investor To Abandon Stocks?
The article “Is now the time for a long-term investor to abandon stocks?” was originally published in MoneySense on December 21, 2022. Photo by Anna Nekrashevich from Pexels. It’s been a difficult year for stock investors. Should you move into GICs or mortgage funds to invest for the long term?…
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Can An Estate Contribute To An RESP Account?
The article “Can an estate contribute to an RESP account?” was originally published in MoneySense on December 20, 2022. Photo by Ketut Subiyanto form Pexels. Here’s what you need to know before deciding to leave money in trust for an RESP account after your death. “Can money left in a…
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How To Start Investing With ETFs In Your 20s
The article “How to start investing with ETFs in your 20s?” was originally published in MoneySense on December 15, 2022. Photo by Andrea Piacquadio from Pexels. Learning about investing in your 20s can be as fun as it is challenging. Here are some thought-starters. “I want to help my 20-year-old…
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Do You Pay Withholding Tax On U.S. ETFs?
The article “Do you pay withholding tax on U.S. ETFs?” was originally published in MoneySense on December 13, 2022. Photo by Andrea Piacquadio from Pexels. A Canadian-domiciled ETF is almost always subject to U.S. withholding tax, but there are exceptions and a foreign tax credit to consider. “Will buying a…
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Should You Collect CPP And OAS While Working In Your 60s?
The article “Should you collect CPP and OAS while working in your 60s?” was originally published in MoneySense on December 6, 2022. Photo by Andrea Piacquadio from Pexels. If you’re in your 60s and plan to remain in the workforce, here’s what you need to know about applying for your…
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FP Answers: When Should I Add More GICs Or Bonds To My Portfolio Mix?
The article “When should I add more GICs or bonds to my portfolio mix?” was originally published in Financial Post on December 2, 2022. Photo by energepic.com from Pexels. Some key investment tips on how to preserve capital while maintaining some fixed-income investments in your portfolio mix Q: “Do you…
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Why It’s Time For Borrowers To Accept The New Normal Of Higher Rates And Plan Accordingly
The article “Why it’s time for borrowers to accept the new normal of higher rates and plan accordingly” was originally published in Financial Post on November 29, 2022. Photo by DNY59 from Getty Images Signature. Interest rate normalization is causing the cost of debt to go up — and likely…
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Can You Save Tax By Moving Into Your Rental Property?
The article “Can you save tax by moving into your rental property?” was originally published in MoneySense on November 28, 2022. Photo by Ketut Subiyanto from Pexels. Moving into a co-owned property has capital gains tax implications, but there are other financial impacts to consider as well. “I have a…
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