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.

November 8, 2012

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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Using the TFSA for income-splitting

With no attribution, a family can contribute more to TFSAs

  • November 9, 2012 November 9, 2012
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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

  • November 9, 2012 November 9, 2012
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Getting private shares out of RRSPs

Clients who hold private company shares in their RRSPs or RRIFs should be aware of recent changes that might expose them to a punitive new tax regime. If an individual holds shares of a private company in an RRSP, in which his or her ownership exceeds 10% on his or her own or in combination […]

  • November 9, 2012 November 9, 2012
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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

  • November 9, 2012 November 9, 2012
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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

  • November 9, 2012 November 9, 2012
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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

  • November 9, 2012 November 9, 2012
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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

  • November 9, 2012 November 9, 2012
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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

  • November 9, 2012 November 9, 2012
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Family? Or weather?

The favoured place to retire may have financial negatives

  • November 9, 2012 November 9, 2012
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