Teresa Martone

As inflation continues to slowly improve, the door for central bank rate cuts is opening. What does this mean for investors? Read RBC GAM's latest market update:

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Global corporates hold potential for capital appreciation and higher yield, to complement core bonds. Learn more about Mackenzie Global Corporate Fixed Income Fund: https://ow.ly/eKEH30sEcZS

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Finally, insurance that evolves with your life's milestones. Whether you're buying your first home, getting a raise, or welcoming a new baby, it's important to adjust your life insurance accordingly. Discover a new life insurance solution offering the flexibility you need. Interested in learning more? Let's connect!

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For our last (of 4) strategy pieces on advanced RRSP planning, we look at the “meltdown strategy”. This strategy aims to replace excess RRSP assets with non-registered assets, but is the riskier that the others we have discussed because it uses an investment loan (leverage). The meltdown strategy follows the same principal as the preceding posts – it can be more tax efficient over the long-term to spread out RRSP/RRIF withdrawals over more years. This, of course, depends on both your and your spouse’s retirement date. We talked 2-weeks ago about how a spousal RRSP being key if you think your spouse will retire before you…but I digress. For the meltdown strategy, you would obtain an investment loan to be invested in a non-registered account. You would then pay the interest component of the loan by withdrawing (deregistering) the exact same amount of funds from your RRSP. From a tax perspective, you are accomplishing an offsetting income inclusion (RRSP withdrawal) with an interest expense deduction from the loan – because the cash from the loan is invested in a non-registered taxable account, you can write off the interest. Said another way, you’ve created an offsetting income-expense balance, at least in theory (there are withholding taxes on RRSP withdrawals so sizing is key), which is why you should consult your tax professional before implementing anything like this. It is quite simple to create a tax-efficient non-registered account strategy targeting capital gains. Even heavily discounted bonds will accomplish this quite nicely. This is a complex strategy so you’ll need someone reliable to model this out for you, but it has the potential to help you restructure your savings if you find yourself very RRSP heavy.

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Global corporates hold potential for capital appreciation and higher yield, to complement core bonds. Learn more about Mackenzie Global Corporate Fixed Income Fund: https://ow.ly/gjJu30sEikE

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GICs and HISAs? We’ve got something more exciting than that. As interest rates come down, consider the new #Desjardins Target Date Investment Grade Bond Funds to help your clients transition to more sophisticated solutions that replicate many features of GICs and HISAs, with even more benefits. 🗓️ Desjardins Target 2025 Investment Grade Bond Fund (DJT03940) 🗓️ Desjardins Target 2026 Investment Grade Bond Fund (DJT03941) 🗓️ Desjardins Target 2027 Investment Grade Bond Fund (DJT03942) Discover ➡️ https://bit.ly/3UXVQem #FinancialAdvisor #WealthManagement #MutualFund #FixedIncome

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GICs and HISAs? We’ve got something more exciting than that. As interest rates come down, consider the new #Desjardins Target Date Investment Grade Bond Funds to help your clients transition to more sophisticated solutions that replicate many features of GICs and HISAs, with even more benefits. 🗓️ Desjardins Target 2025 Investment Grade Bond Fund (DJT03940) 🗓️ Desjardins Target 2026 Investment Grade Bond Fund (DJT03941) 🗓️ Desjardins Target 2027 Investment Grade Bond Fund (DJT03942) Discover ➡️ https://bit.ly/3V1q2VR #FinancialAdvisor #WealthManagement #MutualFund #FixedIncome

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As the video below says, familiarity is comfort. But you can't tap into fixed income's full potential without exploring the full landscape. At AGF Investments, our team goes beyond the obvious with a global perspective. Learn more: https://lnkd.in/eyxgkQgE ​

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🔍 What You Didn't Know a Financial Planner Does: Beyond Investment Advice 🔍 A financial planner offers much more than just investment advice. Here are some lesser-known ways a financial planner can help you achieve your financial goals: 1️⃣ Holistic Financial Planning: They create a comprehensive financial plan that includes budgeting, saving, investing, and retirement planning. 2️⃣ Tax Strategies: Financial planners can help you minimize taxes through strategic planning, ensuring you keep more of your hard-earned money. 3️⃣ Estate Planning: They assist in the process of creating wills, trusts, and other estate planning documents to protect your assets and provide for your loved ones. 4️⃣ Risk Management: Financial planners evaluate your insurance needs and recommend appropriate coverage to protect you from unexpected events. 5️⃣ Education Funding: They help you plan for your children's education expenses, exploring options like RESPs and other savings plans. 6️⃣ Business Owner Strategies: Financial planners offer specialized advice for business owners, including succession planning, employee benefits, and maximizing business value. 7️⃣ Philanthropic Goals: They help you establish and manage charitable giving strategies, ensuring your philanthropic efforts align with your financial plan and values. Discover the full range of services a financial planner offers by clicking on the link below and scheduling a call or virtual meeting today. #BeWellAdvised #FinancialPlanning #WealthManagement #TaxPlanning #EstatePlanning #RiskManagement #BusinessOwners #Philanthropy https://lnkd.in/eFiJmxcc ​

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As inflation continues to slowly improve, the door for central bank rate cuts is opening. What does this mean for investors? Read RBC GAM's latest market update:

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Finally, insurance that keeps up with your life’s changes. Buying your first home, getting a raise, having a baby – all milestones to celebrate! They’re also times you’ll want to adjust your life insurance. There’s a new life insurance solution available that can give you this flexibility and more. Let me know if you’re interested.

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What to know about different registered accounts? The post TFSA vs RRSP vs FHSA: Your Top Questions Answered  appeared first on Discover & Learn.

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What to know about different registered accounts? The post TFSA vs RRSP vs FHSA: Your Top Questions Answered  appeared first on Discover & Learn.

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