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 […]
Alfred Lam, MBA, CFA, Senior Vice-President & Chief Investment Officer, CI GAM | Multi-Asset Management Future earnings matter because they determine the present value of a company. The challenge—and the source of volatility—comes from predicting those future earnings. Investor opinions on the o...
Investors in Canadian equities benefited again in February as the S&P/TSX Composite Index significantly outperformed the S&P 500 and Nasdaq, a trend that holds on a year to date (YTD) and rolling 1, 3- and 5-year basis. U.S. stocks also lagged European and Japanese markets in February and YT...
A large TFSA is not built through luck or side bets. It is usually built through consistent contributions, a portfolio you can stick with, and a clear understanding of how the account can support tax planning later in retirement.
https://youtu.be/_KzxGRUivgE Flow-through shares can look like a magic trick on paper: buy shares, claim a big deduction, get a refund. But they aren’t free money. The tax break can show up now, and the tax bill can show up later. And if you buy the wrong structure, in the wrong account, or with the...
https://youtu.be/LUQUsXe3UiU Dividends can feel like the “safe” way to retire. Your portfolio pays you, you don’t sell anything, and it all feels steady. But retirement plans don’t usually go sideways because someone picked the wrong ETF. They go sideways because the plan creates the wrong type of t...
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