RRSP to a RRIF: 10 Things to Know

1. What is a RRIF? So you’ve been contributing to your RRSP for many years and are now ready to retire.  What do you do with your RRSP now?  That is where RRIFs come in.  RRIFs (Registered Retirement Income Funds) are basically the successor to RRSPs.  You can convert some or all of an RRSP to a RRIF at any time, […]

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RRSP Deadline – Why You Should Care

RRSP contributions can increase your income tax refund Get those sweet, sweet tax savings. Time is running out to contribute to your RRSP for the 2015 2016 tax year. Why should you care? Read on. But first – do you: Have any outstanding high-interest debt, like credit cards? Unless you have a contribution-matching program through your employer (hello, free money!), the […]

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The Importance of Asset Allocation

Studies have shown that 80 to 90% of investors’ return comes from asset allocation, so it is much more important than most investors realize. The main idea behind asset allocation is to reduce risk.  By including asset classes with investment returns that move in different directions you can protect your portfolio from significant losses.  If you have too much of […]

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