Viewpoints about RRIF
-
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).
Read more
-
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.
Read more
-
Extraordinary measures for extraordinary times
March 18, 2020, Prime Minister Trudeau announced a number of measures as part of the Government of Canada’s COVID-19 Economic Response Plan to support Canadian individuals and businesses. The following represents a high-level summary of measures of interest to investment advisors.
Read more
-
RRSPs and RRIFs on death
Contributions to Registered Retirement Savings Plans (RRSPs) are deductible and any growth or income earned on the underlying investment in the RRSP or Registered Retirement Income Fund (RRIF) is not taxed until withdrawn. This article looks at some frequently asked questions to provide more clarity on what happens on the death of an RRSP or RRIF owner.
Read more
-
RRSP? TFSA? RESP? Make the most of your savings options
Determining which combination of savings plans is best depends on your personal situation and objectives. Here's how to choose the right mix.
Read more
-
2020 Advisor Quick Reference Guide
The 2020 Advisor Quick Reference Guide includes all the latest tax rates and resources, conveniently in one booklet.
Read more
-
-
Maximizing discretionary RRIF income by borrowing to invest
A great strategy for investors with discretionary RRIF income looking to put that income to good use. By borrowing to invest, investors can achieve tax savings each year, and gain the potential to significantly increase the value of their non-registered investment portfolio over the long term.
Read more
-
Understanding investment income video
Making sense of after-tax returns. Learn how investment type and whether it's in a tax-sheltered plan matters, and can dictate how much of your gains you keep.
Read more
-
When to consider the RRIF Successor Annuitant Option¹
If you want to provide for your children, or your spouse is incapacitated or financially irresponsible, consider naming them successor annuitant or Joint Life.
Read more