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Perspectives highlights topical issues relevant to investors and addresses their wealth management concerns – from insights on tax strategies to family and lifestyle interests.


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Global insight monthly

This month's commentary on capital markets and investment opportunities.



Global Insight Monthly

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Global Insight 2024 Outlook

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Talking tax savings: Have you considered a prescribed rate loan strategy?

Talking tax savings: Have you considered a prescribed rate loan strategy?

June 04, 2020 |Wealth Management Services

Exploring the topic of prescribed rate loan planning and why it may be a timely approach for some families.

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Podcast: Planning for capital losses with tax-loss selling

May 08, 2020 |Tony Maiorino and Allison Marshall

“Within tax planning, two main aspects are minimizing taxable gains and finding ways to effectively manage losses. It’s here that the strategy of tax-loss selling may be beneficial.”

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Prescribed rate loan planning

Prescribed rate loan planning

April 28, 2020 |RBC Wealth Management Services

“For some families, there may be opportunities to reduce taxes by setting up a prescribed rate loan.”

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Federal budget 2019: Key tax measures that have a direct impact on you

March 20, 2019 |Joshua Opheim

RBC Wealth Management Services analyzes the latest pre-election proposed tax measures, and the effect they may have on you.

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Which investments can reduce your tax bill?

January 10, 2019 |Joshua Opheim

Taxes are inescapable, but your choice of investments and the accounts you put them in can have a huge impact on how much tax you pay.

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If you own an active business through a private Canadian corporation, you may find the following non-exhaustive tax planning checklist helpful.

Tax Planning Checklist for the Owner-Manager

December 18, 2018 |Joshua Opheim

Consider employing lower income earning family members and paying them a salary or bonus that is reasonable based on the services they perform for the business. This may allow you to take advantage of their lower marginal tax rate as well as create

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Government of Canada Bonds

Use Quality Discounted Bonds Over GIC's

December 18, 2018 |Joshua Opheim

While GIC's provide more income than a discounted government of Canada bond, the bond provides you with more return from an after-tax perspective in non-registered and corporate accounts.

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Dividends Matter

August 16, 2018 |Joshua Opheim

Dividend payments can provide a steady cash flow stream that can be reinvested, reallocated or used for income.

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The right assets in the right accounts

July 30, 2018 |Joshua Opheim

What to put in your RRSP, TFSA and non-registered accounts

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2018 Federal Budget

March 30, 2018 |Joshua Opheim
Federal Minister of Finance, Bill Morneau, delivered the Liberal Government’s budget on February 27, 2018. Many of the budget’s tax measures are aimed at tightening perceived loopholes or inequalities in various aspects of the tax system. Several measures...
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