Blog

What is tax-loss harvesting? Tax-loss harvesting, also referred to as tax-loss selling, can be used by investors with non-registered investments (stocks, bonds, mutual funds and ETFs) that are trading below their original cost. These investments can be...

A Registered Retirement Income Fund (RRIF) is similar to a Registered Retirement Savings Plan ( RRSP ) in that both are registered plans, meaning that the basket of investments held within them are allowed to grow on a tax-deferred basis. But instead...

Humans went 200,000 years without numbers until the Sumerians first inscribed clay tablets and baked them in the sun. Today, numbers power satellites, help us predict the future and serve as rules of thumb for retirement planning. And while numbers have...

5 tips to avoid outliving your retirement savings Nearly half of Canadian homeowners over 50 believe they will run out of their savings within the first 10 years of retirement, according to an investor education report. Considering that retirement may...

How to pay yourself in retirement One of the first things to consider when planning for retirement is where your income will come from after your pay cheques stop. It’s time to start thinking about how you’re going to pay yourself and creating a “custom...

Tips on managing the impact of inflation on your investments Whether you’re saving for or living in retirement, it’s important to be aware of inflation risk – that is, the risk that inflation will erode the value of your investments over the long term...

Outside of registered accounts, tax efficiency plays a key role in building wealth. Most Canadians take advantage of tax sheltering within a Registered Retirement Savings Plan ( RRSP ) or through the tax-free benefits of a Tax Free Savings Account ( TFSA...

A tried-and-true strategy to save for retirement There are many ways to save for retirement. Some Canadians have access to a retirement savings plan through their workplace. This type of plan allows you to make additional contributions, often with the...

Why retirement will be different for the next generation of Canadian retirees If you look back about 40 years, nearly one half of Canadian workers had an employee pension plan. For those set to retire in the next 10-15 years, again, about half are covered...