Viewpoints about RRSP
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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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Tax planning in 2020 — COVID-19 considerations
Things Canadians should keep in mind for 2020 tax planning, because of economic problems caused by the COVID-19 pandemic.
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RRSP segregated fund contracts — naming a successor annuitant or Joint Life
Naming a spouse as a beneficiary of your RRSP can be a simple and cost-effective way to pass on your RRSP at death. With an RRSP segregated fund contract, these benefits can be enhanced by naming your spouse as a successor annuitant or Joint Life on the contract. Using one of these designations, you can keep the current estate planning benefits already available with a beneficiary designation while adding more flexibility and choice for your spouse after your death.
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Access retirement savings during a pandemic
Comparing Quebec’s COVID temporary income measure to a suggested RRSP withdrawal COVID measure.
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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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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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Age Appeal
How do you measure the success of your investment strategy? An investment strategy is successful if it delivers the money investors need at the right time, allowing them to reach specific goals. Learn how a goals-based approach to financial planning can work for your clients.
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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income earned on the underlying investment in the RRSP or Registered Retirement Income Fund (RRIF) is not taxed until withdrawn.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.
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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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Goals Based Investing
Goals based investing identifies the amount of money required at different times throughout your life and creates investment strategies accordingly. Find out how.
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