The author discusses using a TFSA account to hold growth-focused ETFs, including AI and uranium funds, while advising that RRSPs should generally be prioritized for tax benefits. The hybrid TFSA approach combines growth investments with emergency funds, allowing flexibility for expenses. The analysis emphasizes the potential for significant returns despite market volatility.
Contributing to your working spouse’s RRSP while you’re already retired?
The post discusses tax strategies for retirement, particularly how a low-taxed early retiree can contribute to a higher-taxed spouse’s RRSP, generating tax benefits. It outlines the advantages of RRSPs and TFSAs, the importance of tax credits at age 65, and encourages employing retirement calculators for optimal cash flow planning.
Matching your investment portfolios to your retirement cash flow plan.
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 […]
The 101, how to create a retirement cash flow plan using MayRetire.
It’s imperative that retirees embrace an optimized retirement cash flow plan. Over decades, these plans can often “find” tens to hundreds of thousands of dollars of income. And out of the gate, a retirement cash flow plan addresses a retiree’s number one concern – the fear of running out of money. The cash flow plan […]
The 2026 Beat The TSX Portfolio has the energy to outpace the TSX Composite.
The Beat The TSX Portfolio has a long history of beating the TSX Composite, but it can be a rocky road. The approach usually brings greater volatility. The strategy is dead simple. BTSX will simply hold the top ten yielding stocks from the TSX 60. It will change the constituents (holdings) on the first trading […]
Creating monthly income with BMO’s Canadian asset allocation ETFs.
The Canadian asset allocation ETFs changed the investment landscape in Canada. In a single ETF you can own a well-diversifed managed global portfolio with fees in the area of 0.20%. This is a wonderful (life-changing) upgrade over high-fee Canadian mutual funds. Canadians pay some of the highest investment fees in the world. High fees are […]