What is Happening to Capital Gains Tax?

Implications for Canadian Investors Lee is a diligent Canadian investor who has been carefully building an investment portfolio over the years. Lee’s financial journey includes a Registered Retirement Savings Plan (RRSP), a Tax-Free Savings Account (TFSA), and a substantial non-registered account. Let’s examine Lee’s story and...

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The Varieties of Decumulation Strategies

“Decumulation” (I don’t really like this word, but I suspect I lack sufficient influence to change things) is the spending down of assets that have been accumulated in preparation for retirement. It is the conversion of pension plans, RRSPs, TFSAs, and other financial assets into...

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GICs vs. a Balanced Stock-Bond Portfolio

Recently, I’ve been thinking about saving versus investing or the idea of engaging in “risky” investments versus “safe” interest-bearing deposit products. This idea came to mind again because of the findings presented in my last blog post that financial planners in Japan did not tend...

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