The first quarter of 2026 began on a positive note for investors, particularly in Canada, with the S&P/TSX Composite Index closing at a record high on January 28th. However, a sharp reversal of gold and silver prices during the last two trading days of January knocked over 1,200 points off the i...
By Alfred Lam, CFA, Senior Vice-President, and Co-Head of Multi Asset, CI Global Asset Management Lessons from Past Market Cycles Without a doubt, the ongoing conflict involving Israel, the United States, and Iran has become a major driver ofmarket sentiment, prompting investors to grow increasingly...
https://youtu.be/xTZO7SyfdTc Taking less from your RRSP can lead to more tax later. It shows up when someone keeps withdrawals tiny in their 60s, then finds that an extra $10,000 in their 70s barely changes after-tax cash, or Old Age Security (OAS) starts getting clawed back. The issue usually isn’t...
https://youtu.be/HknMY3smDRA Trying to “pay no tax” in your 50s and 60s by avoiding RRSP withdrawals can set you up for the highest-tax years of your life later. That’s not because you did anything reckless. It’s because of how retirement income stacks once CPP, OAS, and RRIF minimum withdrawals all...
A recent report lists Canada as having the highest percentage of couples without children among all developed nations.1 Financial life is different for this demographic group, with unique issues and opportunities. Here’s a look at financial decisions for a couple without children across several comp...
A spousal RRSP comes up all the time for couples, especially when one person has done most of the saving. It’s easy to think of it as a “bigger refund” move. But honestly, that’s not the real point. The real value shows up later, when you start taking money out. A spousal RRSP can help […]
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