Retirement planning
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The bigger bang RRSP strategy
It's common to take out an RRSP loan, paying it off using the tax refund. The 'bigger bang' strategy delivers larger contributions and a current year deduction.
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Fighting the Clawbacks – Reduce Line 23400
Strategies to safeguard your government retirement benefits
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The pension decision: To commute or not to commute?
Leaving a company? Deciding whether to leave pension assets with your employer or move them to a personal locked-in RRSP or Locked-in Retirement Account (LIRA).
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Understanding the new RRIF minimum withdrawal rules
An in-depth review of the new reduced RRIF withdrawal rates that covers the implications and planning considerations.
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Transferring a 401(k) Plan and IRA to a Canadian RRSP
Have you built up retirement savings working in the U.S., and are returning to Canada? Learn the options and implications of transferring a 401(k) plan or IRA to a RRSP.
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Unlocking locked-in funds
Locking-in restrictions hamper retirement income options. Take advantage of withdrawal limits to unlock pension savings while keeping them sheltered from tax.
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Spousal RRSPs
A spousal registered retirement savings plan is an opportunity for income splitting and tax saving. Find out how you can take advantage with Manulife Investment Management.
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Little Known Facts About the Canada/Quebec Pension Plan
The year you begin receiving Canada/Quebec Pension Plan income will greatly impact how much you'll benefit over the years: Here's how to make the right choice.
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Prescribed annuities issued after 2016: Impact of the legislation
Changes made to the taxation of prescribed annuity contracts (PACs) impacts the proportion of the annuity payment that will be taxable income.
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IPPs at a glance
IPPs are becoming more popular in part because limits have been raised. Here are the latest 2019 contribution amounts, as well as projected annual pensions.
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