Equity mutual fund managers sense a high risk in the stock market and are increasing their cash reserves. But the amount of cash they hold is restricted by the fund’s   Read More

If you’ve got a case of the January credit card blues, you should first use your cash flow to repay high-interest debt. As high-interest debt melts away, you’ll have more   Read More

Cryptoassets are not just cryptocurrencies; every asset will be digitized and these cryptoassets are ultimately going to come to represent almost every single asset we have—natural assets, commodities, securities, and   Read More

Willie Sutton robbed banks “because that’s where the money is”. A rewarding short-term financial plan, but for the long term all it got Willie was a new address. Assuming that   Read More

Trusts are a great family estate-planning vehicle. However, in 2018, the federal government announced new measures that relate to the tax-reporting requirements for trusts. Tax lawyer and regular TaxLetter columnist   Read More

You have gone through a major change—you’ve sold the business that took up a huge part of your life. Just as you made careful decisions while building, growing and then   Read More

RRSPs, RRIFs, TFSAs, PPPs, critical illness insurance, long-term care insurance, high-limit disability insurance, life insurance, joint-and-last-to-die insurance, charitable donations at death—no wonder we get so tired as we get older!   Read More

It makes sense for Canadians to invest some money in foreign stocks. If you’re a short-term investor, there are cases where hedging against currency risk is appropriate. But don’t hedge   Read More

Why invest in private mortgages? Unlike stocks, funds or traditional real estate investments, private mortgages are relatively safe investment vehicles that allow generous, stable returns and produce strong cash flow.   Read More

When it comes to getting married, there is always a honeymoon period. But we know from experience that difficulties arise in life. To get the financial peace of mind you   Read More

Since 1802, the US dollar has lost 95 per cent of its purchasing power. After inflation, that dollar invested in US stocks would’ve soared to $704,997 by 2012; invested in   Read More

It’s best to contribute as much as you can to both your RRSP and your TFSA. But that’s hard to do. The Investment Reporter outlines two strategies to assist you   Read More

You already know the importance of defence against too much taxation. But most people are heavily focused on offence while building their business, real estate and investment portfolios. Mark Halpern,   Read More

Why invest in private mortgages? Unlike stocks, funds or traditional real estate investments, private mortgages are relatively safe investment vehicles that allow generous, stable returns and produce strong cash flow.   Read More

The Money Reporter’s most recent survey of the best interest rates in Canada finds an online savings account offering 2.35 per cent with no minimum balance required and no monthly   Read More

RRSPs, RRIFs, TFSAs, PPPs, critical illness insurance, long-term care insurance, high-limit disability insurance, life insurance, joint-and-last-to-die insurance, charitable donations at death—no wonder we get so tired as we get older!   Read More

If China starts to sell a small portion of its holdings of US bonds and bills, US interest rates could go even higher. China has a very significant ‘ace in   Read More

Accountant Mark Goodfield (aka The Blunt Bean Counter) advises anyone considering granting a request for money to a child or parent to review the issue with their accountant and/or their   Read More

That sums up the advice of Investor’s Digest of Canada columnist T. Edward Gardiner. “If you’re holding utilities stocks, they’re probably as safe as anything else, and resource stocks may   Read More

You have gone through a major change—you’ve sold the business that took up a huge part of your life. Just as you made careful decisions while building, growing and then   Read More

Not all money market instruments are substitutes for each other. Below we look at the various securities available for investing your cash in, and identify which ones we have preferences   Read More

Are you, or someone you know, looking for a new mortgage loan. Unless the thought of higher interest rates keeps you up at night, you’d be hard-pressed to find a   Read More

If China starts to sell a small portion of its holdings of US bonds and bills, US interest rates could go even higher. China has a very significant ‘ace in   Read More

By now most of us have heard of virtual currencies. Now a group of software developers is creating an entire community in a virtual reality world where people are already   Read More

Investor’s Digest of Canada columnist Mark Halpern, CEO of WEALTHinsurance.com®, answers the seven most-frequently asked questions about retirement problems. He offers cost-efficient and tax-efficient solutions that will safeguard your finances   Read More

Accountant Mark Goodfield, aka The Blunt Bean Counter, warned The TaxLetter readers in April about new reporting rules regarding the sale of a principal residence. Simply put, if you sold   Read More

RRSPs, RRIFs, TFSAs, PPPs, critical illness insurance, long-term care insurance, high-limit disability insurance, life insurance, joint-and-last-to-die insurance, charitable donations at death—no wonder we get so tired as we get older!   Read More

Investor’s Digest of Canada columnist Mark Halpern, CEO of WEALTHinsurance.com®, answers the seven most-frequently asked questions about retirement problems. He offers cost-efficient and tax-efficient solutions that will safeguard your finances   Read More

Accountant Mark Goodfield, aka The Blunt Bean Counter, warned The TaxLetter readers in April about new reporting rules regarding the sale of a principal residence. Simply put, if you sold   Read More

The US dollar (USD) rises when stocks fall more often than not. If you believe, as The MoneyLetter columnist Keith Richards does, that there is reason for a substantial market   Read More

Contributing TaxLetter columnist Mark Halpern, CFP, TEP, spends a lot of time with generous and fortunate people who will have accumulated a lot of money by the time they die.   Read More

Not all money market instruments are substitutes for each other. Below we look at the various securities available for investing your cash in, and identify which ones we have preferences   Read More

A sound investment strategy involves keeping some of your portfolio in cash. But where should you put it? Below we look at some of the options available to you for   Read More

A gold-backed petro yuan will allow oil producers to sell oil to China in yuan, and then exchange yuan into gold via the Shanghai Gold Exchange. This system will be   Read More

Even better than borrowing from the bank of mom and dad is borrowing from yourself—or at least borrowing from your RRSP. Just remember that the taxman is probably not as   Read More

The TaxLetter contributing editor Mark Halpern recalls Martin Luther King’s sagacious advice: “If we are to go forward, we must go back.” When it comes to planning your financial future,   Read More

The Money Reporter regularly surveys insured deposit-taking institutions so you know where to get the best interest rate on insured deposits all across Canada.
The Bank of Canada started the year   Read More

The recent cryptocurrency frenzy inevitably calls excesses of the late 1990s dot-com bubble to mind. New Investor’s Digest columnist Jordan Lazaruk questions whether or not the cryptocurrency phase is history   Read More

A new version of draft legislation related to the tax on split income (TOSI) rules was introduced on Dec. 13, 2017, theoretically in effect as of Jan. 1, 2018. We   Read More

Columnist Mark Halpern shares his insight and analysis on using a Canadian insurance policy to protect your assets from the tax man. It’s a tax-smart investing strategy that honest, hard-working   Read More

The talk of Wall Street has been the big capital gains of cryptocurrencies like Bitcoin. Bitcoin passed the US$10,000 mark in November—a 900 per cent return for 2017. Still, many   Read More

The Canadian Real Estate Association (CREA) is proposing a number of items to expand and modernize the RRSP Home Buyers’ Plan—the biggest of which is “inter-generational RRSP loans” to help   Read More

Portfolio manager and MoneyLetter columnist John Stephenson says that despite persistent worries over valuation, there is no historical or economic reason to fear a market sell-off anytime soon. For that   Read More

Jason Geall of Corwin Mortgage Capital explains the value of investing in private mortgages. This alternative investment is relatively unknown to investors, and readers of Investor’s Digest of Canada have   Read More

It’s that time of year when many of us are thinking of both gift giving and tax planning opportunities. Contributing editor to The TaxLetter, Mark Halpern, CFP, TEP, is a   Read More

‘Save your Confederate money, boys. The south will rise again.’ You may recall the lyrics about ‘Confederate’ dollars. They never did rise again. But the Yankee dollar? That’s another story.   Read More

It’s said that gold comes out of dark underground mines only to disappear into dark bank vaults. When we publish our gold stock survey, we do outline the yellow metal’s   Read More

Drivers of Canadian growth today (real estate and consumer debt) may be tomorrow’s burst bubble. Solid blue chip stocks like Canadian banks or Canadian oil and gas stocks are safe   Read More

There’s a lot going on these days for those with private corporations and those without. You owe it to yourself to preserve your hard-earned money for the people and causes   Read More

“Irrational exuberance” is how former US Fed chairman Alan Greenspan described the stock market during the dot-com bubble of the 1990s. Investor’s Digest of Canada columnist Edward Gardiner looks at   Read More

“It’s a cruel, (cruel), cruel summer/Leaving me here on my own/It’s a cruel, (it’s a cruel), cruel summer/Now you’re gone”. British pop artists Bananarama weren’t singing about Canadians’ 2017 proposed   Read More

Seasonal financial analyst Don Vialoux says precious metals and their mining stocks generally reach a seasonal low in July and pick up speed again until late September. Cyclical stocks usually   Read More