Financial Planning

2012 RRSP Special

From the Mid-November 2012 issue of Investment Executive newspaper. Treading carefully in RRSPs; moving nervous clients out of cash; women investors; grey divorce; mortgages; seg funds; and much more.

In this Special Feature

  • Customizing retirement

    Two theories of retirement financial planning suggest that assets and income streams can be altered in more precise ways as clients move through the many phases of life after work

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  • Building RRSPs in 2013 and beyond

    Uncertainty in markets and low interest rates can make it a challenge to help clients of any age with strategies in the year ahead. These advisors offer help, whether your clients are just starting out or are well along the investing path

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  • Matching products to needs

    Choice of investments can change in the de-accumulation phase. Reviewing the options

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  • The grey tsunami

    The number of people over 100 is rising sharply, with younger groups close behind

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  • Family? Or weather?

    The favoured place to retire may have financial negatives

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  • How to get clients out of cash

    Even though low interest rates mean returns that lag inflation, many older clients remain extremely averse to taking almost any risks in today's volatile markets. But failure to get back in the game could mean long-term losses for many

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  • Making the best of the new OAS rules

    Age eligibility for old-age security is changing because of looming funding problems as the population ages. But clients most affected by the new rules will have a lot of time to plan. Financial advisors can help them get started

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  • “Grey divorce” carries financial risks

    Ending a marriage later in life can mean a big financial hit, as well as lots of new issues with adult children. Planning ahead can help ease the transition

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  • Using rent to keep the house

    Many older clients find themselves with valuable homes but too little cash. Renting part of the house might avoid selling or remortgaging

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  • Helping women take over the reins

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  • GMWBs: Down, but not out

    Diving interest rates and uncertain equities have led to major changes in the availability and features of guaranteed minimum withdrawal benefits. Some advisors are steering clear, but others say GMWBs can be a sound choice

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  • Putting the mortgage in its place

    With low interest rates and rising house prices, many Canadians are carrying mortgage debt into retirement. While that's not necessarily always a poor choice, clients need to be aware of the trade-offs that they are making

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  • Getting private shares out of RRSPs

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  • Annuities make a comeback

    Once viewed as a product with limited uses and too many drawbacks, the certainty provided by an annuity is becoming more appealing. Many retiring boomers want to make sure that the basics are covered, no matter what the future holds

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  • Using the TFSA for income-splitting

    With no attribution, a family can contribute more to TFSAs

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  • Seg funds still useful for some

    These funds offered by insurers remain appealing for some clients because they combine the investment features of mutual funds and the guarantees of insurance. But seg funds are changing and their high fees are harder to justify

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