Which Accounts Which Assets

Which Assets in Which Account

 

As a business owner or incorporated professional, strategically allocating investments across RRSPs, TFSAs, and corporate accounts is key to maximizing tax efficiency and growth. The right placement can significantly enhance after-tax returns while aligning with your broader financial goals.

Smart Asset-Account Pairing

• Tax-Deferred Accounts (RRSPs): Prioritize high-income investments (e.g., bonds, income funds) to defer taxes on interest/dividends.
• Tax-Free Accounts (TFSAs): Focus on growth assets (e.g., equities, ETFs) to shield capital gains and dividends from tax.
• Corporate Accounts: Deploy dividend-paying stocks or balanced portfolios to leverage corporate tax rates and reinvest earnings strategically.

Let’s tailor your investment framework for optimal efficiency. Book a consultation RBC Wealth Management or email me at pejman.shabanpourfard@rbc.com.