Cut the Crap Investing

In my TFSA account I hold a few growth kickers. They are ETFs designed to deliver exceptional share appreciation. I’ve selected a few ‘undeniable trends’. The tailwinds are many and the long term prospects appear “obvious”. As expected these funds might deliver a wild ride in addition to the potential of some incredible returns. Hold on tight as we look at a few growth kicker...

Yup. It sounds crazy, but it can work. A low-taxed early-retiree spouse can contribute to a higher-taxed still-employed spouse’s RRSP to create a benefit. And if need be, the early retiree can remove funds from their RRSP or RRIF to make that contribution. We might call that a tax arbitrage. You might be in a situation when the early retiree is taxed at 11% for money on the w...

It appears to be an overlooked part of retirement planning. While we should always invest within our risk tolerance level we should also match our investment portfolios to the retirement cash flow plan. The plan gives the marching orders for each account. If you create a portfolio to plan mismatch, you could increase the risk of depleting an account too soon. On the other sid...