Podcasts about tfsa

Following up on our TFSA episode, we dive into 5 of the most common RRSP mistakes we’ve seen Canadians make—from contributing when your tax rate is low to accidentally double-claiming a tax credit. We also shift gears and explore the psychological traps that investors fall into, including the endowment effect, anchoring bias, and the disposition effect. These are the subtle but powerful behaviours that can quietly drag down your investment returns over time. To wrap up the episode, Simon revisits his past investment in Allied Properties REIT, why he sold it at a loss, and how the company and office space market have fared since then. Tickers of stocks discussed: AP-UN.TO Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Asset Allocation ETFs | BMO Global Asset Management Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

Denied credit when you need it most? Learn why creditors reject credit and loan applications and what steps you can take next. This guide covers real solutions to dealing with emergency credit denial, from avoiding payday loan traps to protecting yourself financially in tough times. Doug and Ted also recommend using the links below to access your free credit reports, a right for all Canadians! You do not need to pay for your credit score, and finding the free report option on these websites can sometimes be tricky: Link to access your FREE Equifax Credit Report Link to access your FREE TransUnion Report Sign Up for the Debt Free Digest (A monthly financial-motivation newsletter to your inbox!) (00:00) - Why You May Be Denied Credit  (02:35) – What Is and Is Not on Your Credit Report  (05:30) – Why Banks Prefer Lending Large Amounts  (07:00) – How Lending Criteria Differs Between Lenders  (08:00) – Why People Are Relying on Credit in Emergencies (10:00) – What to Do Before Considering a Payday Loan  (13:00) – The Payday Loan Cycle: Why It's Hard to Escape  (15:00) – Credit-Building Tips to Improve Your Chances  (19:00) – Should You Cash Out an RRSP or TFSA? Pros and Cons  (22:30) – Talking to Creditors: Can You Defer a Payment?  (25:00) – Emergency Solutions When All Else Fails  (27:00) – How to Protect Yourself Financially in a Survival Situation  Break the Payday Loan Cycle 13 Myths About Credit Card Debt in Canada What Debt Relief Options Are Available in Ontario? Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

In this episode, we take a closer look at Gildan Activewear after its latest earnings call, which was dominated by tariff discussions. Despite being in a sector typically hit hard by trade restrictions, Gildan's vertically integrated model could actually give it an edge. We also cover Visa’s latest results, where payment volumes remain strong but questions linger around possible pull-forward demand ahead of new tariffs. Dan and Simon then three of the most common TFSA investing mistakes—ranging from overly speculative bets to portfolio structure missteps—that could cost you serious long-term returns. Lastly, we revisit Bitcoin ETFs, breaking down the pros and cons, Canadian and U.S. options, and what recent AUM trends reveal about investor demand. Tickers of stock discussed: IBIT.TO, BITO, ARKB, BTCX-B.TO, FBTC.TO, V, GIL.TO Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Asset Allocation ETFs | BMO Global Asset Management Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

For the Bitcoiners and MSTR share holders wanting income in Canada. I break down Horizens $MSTY dividend potential, tax advantages, and long-term growth strategy to help you maximize your earnings and build wealth efficiently.Where I buy Bitcoin (Non-KYC options)https://bitcoinwell.com/referral/bitcoinnotcryptoNeed help on how to buy btc on Bitcoin well?https://youtu.be/-52aEY3LIFsBook a 1|1 Bitcoin Consulting call with mehttps://www.differentmedia.ca/bitcoin15% Stampseed Titanium Seed plates (BEST WAY TO STORE BTC PRIVATE KEYS)https://www.stampseed.com/USE CODE : BTCNOTCRYPTO15Become a Member of the Channel, Get exclusive content, and livestream playbackhttps://www.youtube.com/channel/UC2aM2gVVEHTu0pfE1ZyA0BQ/joinFollow Rajat, Jor, and I's new show togetherhttps://www.youtube.com/@MapleBitcoinJoin my BTC Discordhttps://discord.gg/PY5tKvAamBListen to this as a podcasthttps://podcasters.spotify.com/pod/show/bitcoinnotcryptoFund my Documentary Series "Bitcoin Fixes This"https://geyser.fund/project/bitcoinfixesthisFollow me on Nostrnpub1zqm9zant0rxf49wfgw8pt5h0j50cetfes6hwa73u7sxstlzcsz8qh6x9fsFollow on Twitter/Xhttps://x.com/forrestHODLDonate to the show hereBitcoinnotcryptoshow@coinos.iobc1qnzxvnchtyqzk623rvnvnvvsjjsqt07y4xat6zslxzf8lcv8ku7uqf0qrraMovies I've madehttps://amzn.to/3FtVKmrhttps://amzn.to/3FtVKmrhttps://amzn.to/3FtkmM6https://amzn.to/3s43FE8Alternative Dwelling Documentarieshttps://youtube.com/playlist?list=PL8TC5LCUPfit4qO8aiIh_iHtC2xFWtIzA

Gugs Mhlungu and Resident Certified Financial Advisor, Paul Roelofse interrogate ways of supercharging your retirement savings by investing strategically in both a retirement annuity and a tax-free savings account and on how enhance your returns through tax advantages.See omnystudio.com/listener for privacy information.

Ready to take a deep dive and learn how to generate personal tax free cash flow from your corporation? Enroll in our FREE masterclass here and book a call here.Are you making smart financial decisions—or just hopeful ones based on optimism bias?In this episode of the Canadian Wealth Secrets podcast, Kyle Pearce sits down with John De Goey—veteran Canadian portfolio manager and author of Bullshift—to uncover the subtle ways the Canadian financial services industry nudges you toward overconfidence and unrealistic expectations. With over 30 years in the Canadian financial industry, John reveals why many Canadians unknowingly rely on hope rather than strategy when it comes to investing and planning for retirement.Whether you're a high-income earner or business owner wondering if your savings strategy is enough, or someone approaching retirement unsure about your risk profile, this episode delivers clarity. John discusses the difference between risk tolerance and risk capacity, why your investing behavior in a market downturn matters more than you think, and how to avoid the trap of thinking "it won't happen to me." This conversation is especially relevant in today's uncertain Canadian financial markets, where realistic planning—not blind optimism—is your best ally.What you'll learn:Learn how to assess and adjust your financial risk based on your actual capacity, not just your comfort level.Discover why even the most well-written financial plans can fail without behavioral discipline.Get real numbers and strategies for RRSP, TFSA, and advanced savings when income exceeds contribution limits. 

FRIENDS AND ENEMIESIn this episode of CBP, we dive into the latest news and trends shaping the world of tech, finance, and retail. Carney vs Poilievre starts to heat up. Gamestop is making waves in the bitcoin community, sparking speculation about the future of cryptocurrency. Meanwhile, Tesla's rebate program is facing a rough ride, and grocery stores are turning to body cam technology to enhance security. We'll break down the implications of these developments and explore the latest insights in blockchain (puke), crypto (puke), and market volatility. From Elon Musk's latest moves to the impact of the Trump trade war, we'll cover it all. Join us for a deep dive into the world of finance, tech, and retail innovations.Join us for some QUALITY Bitcoin and economics talk, with a Canadian focus, every Monday at 7 PM EST. From a couple of Canucks who like to talk about how Bitcoin will impact Canada. As always, none of the info is financial advice. Website: ⁠www.CanadianBitcoiners.com⁠Discord: ⁠  / discord  ⁠ A part of the CBP Media Network: ⁠www.twitter.com/CBPMediaNetworkThis show is sponsored by: easyDNS - ⁠⁠www.easydns.com⁠⁠ EasyDNS is the best spot for Anycast DNS, domain name registrations, web and email services. They are fast, reliable and privacy focused. You can even pay for your services with Bitcoin! Apply coupon code 'CBPMEDIA' for 50% off initial purchase Bull Bitcoin - ⁠⁠⁠https://mission.bullbitcoin.com/cbp⁠⁠⁠ The CBP recommends Bull Bitcoin for all your BTC needs. There's never been a quicker, simpler, way to acquire Bitcoin. Use the link above for $20 bones, and take advantage of all Bull Bitcoin has to offer.

In this episode of Your Retirement Planning Simplified, we dive into smart tax strategies for retirement, and common mistakes to avoid when drawing income. We cover essential topics like income splitting, RRSP vs. RRIF withdrawals, TFSA strategies, and how to minimize OAS clawback. You'll learn how to optimize your withdrawal order, take advantage of tax credits for retirees, and avoid costly errors that could increase your tax bill. Whether you're approaching retirement or already retired, this episode will help you create a tax-efficient retirement income plan that keeps more money in your pocket.  Read the full show notes and find more information here: Ep 134 Show Notes

On today's show, Fidelity Canada's tax and estate planning experts unpack the Q&A from their recent Reddit AMA (Ask Me Anything). Are you looking to leverage a registered account such as an RRSP, TFSA or FHSA to your advantage? Purchasing your first home? Have elderly people in your life and need to consider an estate plan? Or maybe you want to get ahead and set your family up for success? Now is the perfect time to start thinking about smart financial decisions for yourself and loved ones. Recorded on February 28, 2025. At Fidelity, our mission is to build a better future for Canadian investors and help them stay ahead. We offer investors and institutions a range of innovative and trusted investment portfolios to help them reach their financial and life goals. Fidelity mutual funds and ETFs are available by working with a financial advisor or through an online brokerage account. Visit fidelity.ca/howtobuy for more information. For a fourth year in a row, FidelityConnects by Fidelity Investments Canada was ranked #1 podcast by Canadian financial advisors in the 2024 Environics' Advisor Digital Experience Study.

Independent analyst Jimmy Moyaha breaks down FirstRand's results and the broader struggles seen in recent SA Inc earnings. Woolworths CEO Roy Bagattini unpacks the hurdles in the retailer's fashion and beauty segments. Simon shares his top picks for your tax-free savings account.

We unpack the power of Tax-Free Savings Accounts (TFSAs) as a game-changing tool for retirement income planning. Discover how TFSAs provide tax-free growth, flexible withdrawal management, and significant estate planning benefits. Learn why integrating TFSAs with RRIFs, CPP, OAS, and other income sources can minimize taxes, avoid OAS clawbacks, and optimize your retirement strategy. Tune in for actionable insights and real-life examples to maximize your TFSA and achieve tax-efficient retirement income!  Read the full show notes and find more information here: EP 130 Show Notes

Get your Retirement Readiness Score

Resident Certified Financial Advisor, Paul Roelofse on some great investment for grandchildren and on how TFSA’s can be ideal for grandchildren savingsSee omnystudio.com/listener for privacy information.

Are traditional Canadian retirement planning strategies (RRSP, TFSA, RIF, ect) setting you up for success—or failure? What if the research shows that strategy isn't enough—and that a smarter, more resilient asset mix could ensure a stable, worry-free retirement?Many investors rely on the classic stock-and-bond investment portfolio, believing it's the safest way to ensure a stable retirement. However, market volatility, inflation, and economic downturns can leave even the most disciplined savers vulnerable. When the market crashes, emotions take over, and many investors make costly mistakes—selling low, hesitating to buy, or failing to adapt to changing financial conditions.But what if you could create a Canadian retirement plan that minimizes risk while optimizing returns? This episode explores Ernst & Young's research on integrating insurance products into retirement planning and why the traditional "buy term and invest the rest" strategy may not be the most effective path to financial security.You'll learn: Discover why permanent life insurance can act as a volatility buffer, protecting your investments from market downturns.Learn how combining high early cash value whole life insurance with investments can outperform traditional stock-and-bond-only portfolios.Explore strategies to maximize retirement income while preserving a greater financial legacy for your heirs.Tune in now to uncover the research-backed strategies that can help you build a more resilient retirement plan—one that stands strong no matter what the markets do.Ready to take a deep dive and learn how to generate personal tax free cash flow from your corporation? Enroll in our FREE masterclass hereBook a Discovery Call with Kyle to review your corporate (or personal) wealth strategy to help you overcome your current struggle and take the next step in your Canadian Wealth Building Journey! https://canadianwealthsecrets.com/discovery Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here. Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Ready to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Discover essential retirement planning updates for 2025! Joe and Lindsay break down new RRSP and TFSA contribution limits, updates to CPP and OAS benefits, inflation adjustments, key tax changes, and capital gains rules. Learn how to maximize your retirement savings, minimize taxes, and stay invested for long-term success. With practical tips on budgeting, income planning, and key deadlines like the RRSP contribution deadline and tax filing date, this episode is packed with actionable advice to help Canadians optimize planning for retirement.  Read the full show notes and find more information here: EP 129 Show Notes

Retirement planning can feel overwhelming—how much do you really need? What's the best way to withdraw from your savings? And what happens if the markets take a downturn right as you stop working? These are real concerns for Canadians, and in this episode, we tackle them head-on. I'm joined by Adam Bornn from Parallel Wealth, one of the most trusted voices in Canadian retirement planning on YouTube. Together, we answer real questions submitted by viewers of my YouTube series, Second Act, covering everything from how to start a retirement plan to managing cash flow, tax efficiency, and withdrawal strategies. Whether you're just beginning to think about retirement or looking for expert insights on optimizing your income, this episode is packed with valuable takeaways. What We Cover in This Episode: How to start building a retirement plan from scratch The importance of having a vision for retirement beyond just the financials Different withdrawal strategies, including managing income-producing ETFs Why tax efficiency is crucial in the decumulation phase Common mistakes retirees make when it comes to CPP, OAS, and RSP withdrawals How to structure your income for predictable cash flow in retirement The impact of sequence of returns and how to mitigate risk Planning for major expenses like vehicles, home repairs, and long-term care Why reviewing and adjusting your plan regularly is essential Listener Questions Answered: How do you plan for cash flow when using income-producing ETFs? What's the best withdrawal strategy for an RRSP? How do you manage a TFSA used as an emergency fund? How does retirement planning differ for couples, especially when one spouse passes away? How often should you review and adjust your retirement plan? Resources & Links: Parallel Wealth YouTube Channel Beavis Wealth YouTube Channel – Second Act Retirement Series CPP Calculator by PWL Capital If you found this episode helpful, don't forget to subscribe, leave a review, and share it with someone who could benefit from better retirement planning!

The Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Download the Rockstar list here: https://moosemarkets.com/rockstars Join the Retirement Loop waitlist here: https://dividendstocksrock.com/loop Why I prefer low yield vs high yield: https://moosemarkets.com/income

In episode 90 of In Her Wallet podcast, I'm tackling one of the biggest financial questions: How do you invest your first $1,000? If you've been wanting to start investing but feel overwhelmed by where to begin, this episode is for you!! I'm breaking down everything step by step—how to define your investment goal, whether to choose a TFSA, RRSP, or FHSA, and the best beginner-friendly options like ETFs, robo-advisors, or individual stocks. Plus, I'll share a funny story about how my husband and I took very different approaches to investing in Uber, and what that taught me about patience in the market. I'll also cover common investing mistakes to avoid, so you can start building wealth with confidence. By the end of this episode (in just 25 minutes…), you'll know exactly where to put your first $1,000 and how to make your first investment. Tune in now and take the first step toward growing your money! Start Managing Your Money Like a Pro with This Tool! Ep50 "How to Not Get (Fin)fluenced with Bad Financial Advice?"

Let Us Know What You Thought Of The Episode Welcome back to the Savvy Investor Podcast! In this episode, we bring back Lisa Elle, from Ellements Group who is renowned for her expertise in wealth and tax strategy.Key highlights of the episode: Tax Season Overview: Understanding CRA processes to avoid hasty filings is keyFiling Challenges & Tips: Lisa advises against early filing due to CRA software delays; stresses importance of waiting for T-slips.Organizational Strategies: Lisa stresses the importance of starting organization post-tax season for better preparation the following year. She suggests apps like Zoho Expense and Hub Doc for receipt management.Seek Professional Advice: Consult with financial experts to minimize tax liabilities effectively.Understand Your Options: Evaluate RRSP contributions and TFSA investments based on future income scenarios.        & more!Learn More About Our Trusted Partner- Mogul Realty Group The Mogul Team has strong roots in both Edmonton, Alberta and Vancouver, British Columbia. Collectively the team owns well over 500 doors worth of investment Real Estate in both cities. We walk the investor walk and that passion for investing has led us to serve investors across Western Canada.Would you like to learn more? Visit:https://thesavvyinvestor.ca/mogul-realty-groupSavvy Investor Links: Website: https://thesavvyinvestor.caInstagram: https://www.instagram.com/savvy_investorsYouTube: https://www.youtube.com/@thesavvyinvestorJoin our FREE Savvy Investor Facebook Community:  https://www.facebook.com/groups/341243106757064Disclaimer: The views and advice expressed on this podcast are those of the participants and do not necessarily reflect the opinions or beliefs of the podcast host or affiliated parties. The content is for entertainment purposes only and should not be considered as professional financial, legal, or investment advice. Listeners are encouraged to conduct their own research and consult with qualified professionals before making any financial decisions. The podcast host and producers are not responsible for any actions taken based on the information provided.

In this Coinfessions episode of Don't Go Broke Trying, Reni answers your money questions! From how to start investing with just 1 million Naira to maximizing your TFSA in Canada, this episode covers everything you've been curious about. Whether you're figuring out how to build wealth, make the right career moves, or improve your financial literacy, Reni provides actionable tips to help you make smarter money decisions. Newcomers Series: https://www.youtube.com/watch?v=aooZMrMgR7M&list=PLD4zi1q3USraU81GpXjb7WTqijRHIkp41 Financial Literacy Resources: Reni's top picks for books, blogs, and YouTube channels, including I Will Teach You to Be Rich by Ramit Sethi, Canadian In A T-Shirt, Steph & Den, Two Side of A dime, and Clever Girl Finance. Credit Building Tools: Borrowell Connect With Us!Follow the podcast on Instagram: ⁠⁠⁠@dontgobroketrying⁠⁠⁠Follow Reni on Instagram: ⁠⁠⁠@xoreni⁠⁠⁠Visit our website: ⁠⁠⁠https://renitheresource.com/category/podcast/⁠⁠⁠Follow on Twitter: ⁠⁠⁠https://twitter.com/dgbtpod⁠⁠⁠

Confused about whether to invest in an RRSP or TFSA? In this episode, we break down the key differences between these two accounts and help you determine which one aligns best with your financial goals. Connect with Paul & William:Book a call with Paul: https://calendly.com/westendwealthplanning/introcall?preview_source=et_card&month=2025-01Book a call with William: https://calendly.com/westendwealth/introcallSubscribe to our newsletter: https://www.westendwealth.com/newsletterConnect with William on LinkedIn:/ williambarrecaConnect with Paul on LinkedIn:/ paulbarrecaFollow William on X:/ willbarrecaThe views and opinions expressed in this podcast may not necessarily reflect those of IPC Securities Corporation. This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions. Hosted on Acast. See acast.com/privacy for more information.

Are you dreaming of buying your first home but struggling to keep up with rising house prices in Canada? In this video, I'll walk you through the top financial tools you need to know about: the Tax-Free Savings Account (TFSA), First Home Savings Account (FHSA), and Registered Retirement Savings Plan (RRSP). I'll break down the benefits, strategies, and smart planning tips for using these accounts to save for your first home more effectively. Whether you're a first-time homebuyer or just getting started with saving, this video offers practical advice to help you reach your homeownership goals faster, even in today's competitive real estate market.For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

Are you wondering what comes next after maxing out all your tax-efficient investment accounts?If you're a high-income earner who's already filled up your RRSP, TFSA, and other savings vehicles, you may be stuck figuring out the next strategic move to secure both your retirement and your legacy. The question of how to balance optimal returns and future tax liabilities can be overwhelming—especially if you're aiming for early retirement.In this episode, you'll discover a real-world example of an individual facing this exact situation, so you can learn a practical approach to reducing tax burdens, maintaining strong returns, and creating long-term stability for your loved ones. Even if you're comfortable with traditional investing, there are advanced strategies beyond your standard accounts that might be the missing piece in your wealth-building puzzle.Learn how to strategically integrate permanent insurance into your portfolio for enhanced tax and estate planning.Discover the benefits of transitioning part of your portfolio into a more stable, growth-oriented “fixed income” alternative.Uncover the advantages of blending conservative leverage and optimized asset allocation, so you can keep your wealth working at peak efficiency.Start listening now and get the step-by-step framework you need to optimize your investments and protect your family's financial future!Ready to take a deep dive and learn how to generate personal tax free cash flow from your corporation? Enroll in our FREE masterclass hereBook a Discovery Call with Kyle to review your corporate (or personal) wealth strategy to help you overcome your current struggle and take the next step in your Canadian Wealth Building Journey! https://canadianwealthsecrets.com/discovery Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Achieving financial independence retire early (FIRE) requires smart planning, especially when it comes to growing your net worth and generating passive income with a focus on the sequence of returns of your Canadian investment portfolio. For business owners, navigating the complexities of corporate structures, tax implications, and investment strategies can feel overwhelming. From understanding capital gains rules to leveraging life insurance for wealth optimization, the right approach can transReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Watch this episode on YouTubeIn this episode, we explore the benefits and strategies behind using a spousal RRSP to optimize retirement savings, drawing from a real-life scenario with clients Curtis and Cynthia. The video outlines how high-income earners can contribute to a spousal RRSP under their partner's name and eventually convert it to a spousal RRIF, enabling tax-free withdrawals. We also discuss the spousal attribution rules, the significance of minimum withdrawals, and how to use these funds for TFSA contributions, ensuring the money remains tax-free. Become a client - Plan for your retirement and invest with EvanBecome a clientFinancial Foundations Course - Save 25% with code PODCAST25Full Financial Picture Spreadsheet

New year, new us. (And new Prime Minister, apparently?) On this week's TLDR, we comb through the data to figure out where everyone's been investing their wealth over the past year — and what it tells us about what might be coming up next. And, we look at what the h*ll's been happening in Canadian politics, and why. Plus, journalist Ben Mathis-Lilley talks us through setting ourselves up for financial success in the year ahead.This episode was hosted by Devin Friedman, business reporter Sarah Rieger and former hedgefunder Matthew Karasz. Follow us on other platforms, or subscribe to our weekly newsletter: linkin.bio/tldrThe TLDR Podcast is offered by Wealthsimple Media Inc. and is for informational purposes only. The content in the TLDR Podcast is not investment advice, a recommendation to buy or sell assets or securities, and does not represent the views of Wealthsimple Financial Corp or any of its other subsidiaries or affiliates. Wealthsimple Media Inc. does not endorse any third-party views referenced in this content. More information at wealthsimple.com/tldr.

As we head into 2025, household finances are still a large source of worry for many Canadians. So, Devon Lacombe, the Vice President of Retail Investments at Scotiabank, is our guest this episode and has seven simple, practical tips to de-stress your finances. From a no-fuss approach to budgeting to tools that make saving easier and much more to help make the new year a less worrisome one.    For more financial advice visit Scotiabank's Advice+ Centre.  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  1:21 – Why finances are a particular worry for Canadians in 2025  2:34 – Tip 1: Be kind to yourself  4:20 – Tip 2: Start small   5:26 – Tip 3: Make a simple budget  7:27 – The 80, 30, 20 rule and how it can be an easy guide to budgeting  9:23 – Tip 4: Break down your goal  11:40 - Tip 5: Get the right accounts (plus a primer on some of the key savings vehicles: RRSP, RESP, TFSA and FHSA)  16:44 - Tip 6: Use the tools available to you  17:35 – An example of the power of compound interest  21:02 - Tip 7: Don't be afraid to get help   22:37 – Why Devon's New Year's resolution may or may not have to do with money 

MEDamorphosis Podcast presents “It Makes Cents”, a mini-series aimed at improving the financial education of medical students across Canada. Host Ali Jatoi, a medical student with a past life in finance, discusses personal finance topics in these short-form podcast episodes. In the third and final instalment of the series, Ali covers Budgeting and the Tax-Free Savings Account (or TFSA). Tune in to learn about why budgeting is important, where to access free online budgeting templates, and how to take advantage of the most effective savings account to reach your financial goals, the TFSA. Listen now and make finance “make cents”. Hosted and Edited by: Ali Jatoi Music: Dr. Ian Downie New episodes of MEDamorphosis are available each month. Subscribe to never miss an episode. Please rate, review, and subscribe to our podcast and explore the entire UBC Medicine Learning Network roster of podcasts on Spotify, Apple Podcasts, and where you find your podcasts. (C) UBC Medicine Learning Network. All Rights Reserved.

With the end of the year arriving and the new year starting shortly, there are certain deadlines that you should be aware of every year, from an investment and tax optimization perspective. There are also some elements to keep top of mind as the new year begins. These happen every year, so even if you are listening to this episode years from now, it will still be relevant to you, as these are things to think about and reevaluate every year. Think of this episode as a checklist that you can use every year to help ensure that you aren't missing anything from an investment, tax, and government benefit optimization standpoint. Enjoy the episode! Links from the Episode: My ETF Guide: What I invest in and why (free) My "How to Invest for Canadians Course" What DIY Passive Investing Style is Optimum for You? (video presentation) RESP Guide (Registered Education Savings Plan) Asset Allocation ETFs ZEQT - BMO All-Equity ETF ZGRO - BMO Growth ETF ZBAL - BMO Balanced ETF Active vs. Passive Investing: Interview with S&P Dow Jones Indices (S&P 500) & How to Choose the Right ETFs How to do Nobert's Gambit Guide

In this special year-end episode of Your Retirement Planning Simplified, Joe and Lindsay reflect on the most popular episodes of 2024, covering essential retirement planning insights and strategies. From avoiding critical retirement mistakes—both financial and non-financial—to optimizing tax strategies, calculating your retirement number, and understanding TFSA rules, this roundup delivers actionable advice for pre-retirees and retirees. The duo also highlights inspiring guest appearances, including Wade Pfau on the RISA framework, Bill Bengen on the 4% rule, and Hal Hershfield on connecting with your future self. Tune in to discover top retirement tips, expert perspectives, and practical strategies to confidently plan a fulfilling retirement in 2025.  Read the full show notes and find more information here: EP 121 Show Notes

TFSA vs. Non-Registered Accounts: What Stocks Go Where? Compounding Success: Is Descartes Systems Group (DSG:TSX) a Smart Buy? Behind the 417% Surge in Happy Belly Food Group's (HBFG:CSE) Share Price. SolarEdge Technologies (SEDG:NASDAQ): What's Behind the 87% Drop?

When planning to immigrate to Canada, we often spend a considerable amount of time learning about schools, where to find a house, the cost of groceries, the best cities to find a job, rental costs, and more. We rarely bother trying to understand how the Canadian financial system works.It doesn't help that once you land and walk into a bank to open an account, the banks stuff a credit card into your palms and ask you to review dozens of forms and sign. So it's not surprising that when we ignore the one thing that underpins most of the factors mentioned above, we experience a significant drop in financial confidence as we battle with our settling-in checklist. Check out Interac Corp's survey on newcomer's financial confidence.I was no different. And if I could go back in time, the one biggest thing I would have done differently is to buy the book, Seventeen to a Millionaire by Douglas Price. Yes, it was written for a seventeen-year-old in Canada. But I dare say as a newcomer to Canada, we are all like 17yos when it comes to understanding the nuts and bolts of the Canadian financial system.I had the honor of chatting with Douglas Price on The Newcomers Podcast about his book and why it's a MUST-READ for newcomers. We also talked about:* The golden rules of making money in Canada* How to approach the world of credit* Why he thinks the TFSA is one of the best tools for saving and investing money* The money truths he's learned while working on the book* And the backstory of how the book came to lifeEnjoy. P.S. Seventeen to Millionaire is currently #1 on Amazon's Personal Financial Planning book list and was chosen by Moneysense contributors, influencers, and money experts as one of the top 25 timeless personal finance books. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thenewcomerspod.com

In this episode, we sit down with Christine Traynor, from Victoria, BC, a seasoned real estate professional who has navigated the industry from multiple angles.  She started as a paralegal in mortgage enforcement/foreclosures, became an appraiser in 2002, worked in for a high end real estate developer then buying a real estate appraisal firm, buying two more with creative financing and in 2024, sold those businesses for a seven figure exit. What's now keeping Christine busy is her current ventures as an Edmonton, Alberta real estate developer, multifamily investor, Christine shares a wealth of knowledge and insights that are sure to inspire. For those looking to raise capital, specifically registered funds like RRSP's and TFSA's, Christine is involved with a Mutual Fund Trust as part of a 94 unit build so you'll want to hear about that. Christine shares how and why she chose not to invest in local, tenant friendly, unaffordable Victoria, BC for landlord friendly Edmonton which is something pretty much every BC, Ontario, Quebec investor from a tenant friendly jurisdiction is considering. Christine is an advocate for empowering women around investing and finances, and is the host of She Builds Wealth, a (free) online community where she leads women in conversation around real estate investing, business, money and mindset.  She is also the creator of She Builds Wealth: A Foundational Course for Women on Building Wealth in Real Estate.   To follow Christine: Instagram: @Christine.traynor.reinvesting Website: www.christinetraynor.com   Please enjoy the show

In recent weeks, the crypto market has been **exploding**. On this week's TLDR, is this boom any different from previous ones? Plus, you may have read some headlines about multi-million dollar retirement accounts. Should you be doing something different with your TFSA? And, Ken Griffin is a polarizing figure in the world of finance. Does he deserve all the hate?This episode was hosted by Devin Friedman, business reporter Sarah Rieger, former hedgefunder Matthew Karasz and former business news anchor Amber Kanwar. Follow us on other platforms, or subscribe to our weekly newsletter: linkin.bio/tldrHere's that retirement account flow chart Sarah mentioned in this week's episode: https://www.wealthsimple.com/en-ca/learn/fhsa-tfsa-rrspThe TLDR Podcast is offered by Wealthsimple Media Inc. and is for informational purposes only. The content in the TLDR Podcast is not investment advice, a recommendation to buy or sell assets or securities, and does not represent the views of Wealthsimple Financial Corp or any of its other subsidiaries or affiliates. Wealthsimple Media Inc. does not endorse any third-party views referenced in this content. More information at wealthsimple.com/tldr.

В данном подкасте расскажем о разнице между registered инвестиционными счетами RRSP, TFSA и FHSA. Обсудим какие лимиты у каждого счета и когда и при каких условиях можно снять деньги с данных счетов, а также какие налоговые последствия могут возникнуть. Обсуждаемые вопросы: 1) Лимиты сколько можно вносить в каждую программу 2) Штрафы за превышение лимитов 3) Могут ли супруги открыть FHSA каждый на себя 4)  RRSP — ограничения по возрасту 5)  Как перенести счет из одной организации в другую (далее…) ————————————————- The content of this site and our podcasts are for information only. Everybody's financial situation is different and the thoughts we provide here may not be applicable to you. We can't be held responsible for the consequences if you pursue an unsuitable course of action. Сообщение Сравниваем канадские инвестиционные счета RRSP, TFSA и FHSA | 270 появились сначала на Moneyinside.ca-самый популярный финансовый подкаст в Канаде!.

Saving for a down payment on a house in today's market can be challenging, but we've got you covered. Dan is joined by Simon from The Canadian Investor Podcast in this part one of two episodes.  They break down essential strategies and tools for first-time home buyers, including how to make the most of the First Home Savings Account (FHSA), TFSA, and RRSP Home Buyers' Plan.  They explain how each account works, their tax benefits, and how to combine them to maximize your down payment. Listen to Part 2 here: Part 2 - Spotify Part 2 - Apple Podcast Part 2 - Web player Sign Up For The Next Webinar Realist  Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

On today's episode we have another Canadian guest, Kyle Prevost, who achieved financial independence at an early age (he was able to pull it off in his 30s). He's also done hundreds of financial talks and interviews over the years with both regular Canadians, and some of the most highly respected financial experts in both Canada and the US. In this episode, we discuss what he's learned from these hundreds of discussions that he's had, especially when it comes to best practices and financial tactics that we can apply to our own lives. He also shares advice on how he personally minimizes and thinks about fees in his own investment portfolio, and we also discuss his findings on CPP and OAS in Canada, which in case you're not familiar, are the two main income sources from the government that Canadians rely on in their retirement. Kyle has done a bunch of research and interviews on how viable the CPP and OAS is long-term, and if we can continue to expect to receive them in our older age, even if we're nowhere near that traditional retirement age of 65 yet. We cover all this and more in the interview. Also, free tickets to the Canadian Financial Summit: Kyle and I have run the Canadian Financial Summit together for years in the past, this year I'm attending it as one of the speakers, and I have free tickets for you which you can get at buildwealthcanada.ca/summit. In case you're new to the Summit, it's a fully online event for Canadians where you can stream all the educational talks. I'll be speaking at it again this year, this time about RRSPs, and I'll be there with 36 other Canadian personal finance and investing experts who will be sharing their expertise and best practices when it comes to investing, retirement, financial planning, ETFs, pensions, cash flow management once you hit your financial independence number, and much more. It's happening really soon this month, October 23-26. I hope to see you there, and again you can get free tickets to the event by going to buildwealthcanada.ca/summit I hope to see you there! Kornel

Happy October!  With a new month comes a new episode of "Life in the Tax Lane." The Video Tax News Team is back with another fast-paced 10-minute video. It's packed with essential updates for Canadian tax professionals.Topics:Canada Business Corporation Act – Public RegistryRegistered Education Savings Plan – Contribution Considerations TFSA Excess Contributions – Decline in ValueShareholder Loan Account – Proper BookkeepingInput Tax Credit – Shareholder Purchasing Asset IRS Collection of Canadian Taxes For sources from this episode, click here. Program recorded: September 18, 2024Life in the Tax Lane is for general information purposes only and deals with dynamic, time-sensitive and complex matters that may not apply to particular facts and circumstances. The information provided should not be relied upon as a substitute for specialized professional advice in connection with any particular matter. For more information visit videotax.com/disclaimer. ©Video Tax News Inc. 2024, All Rights Reserved.

Which account should you choose, a registered retirement savings plan (RRSP) or a Tax-free savings account (TFSA)? This is one of the most common decisions that Canadians must make when it comes to investing, but it will also elicit some of the most passionate responses. RRSPs especially get a lot of undue skepticism, with some even labelling it as a scam. Today we take a deep dive into both of these savings accounts, exploring the downsides and benefits of each, and how to decide which account is right for you based on your savings goals. With the help of Conquest Planning, a specialized, in-depth modelling tool, we look at a range of scenarios incorporating different variables, like income and family size, and break down our analysis regarding the RRSP vs. TFSA decision for each scenario. We discuss key factors to consider, including the basic personal amount tax credit, which allows RRSPs to act as a tax flow-through, and the guaranteed income supplement (GIS), which can impact retirement planning. Our conversation also examines how to approach family size and longevity, as RRSPs become more advantageous with longer lifespans. Join us today to learn about the benefits and flexibility of each of these accounts, the surprising ways RRSPs often outperform TFSAs, and find out which one is right for you! Key Points From This Episode:   (0:00:20) An introduction to the RRSP vs. TFSA debate. (0:08:11) How we used the Conquest Planning tool and the scenarios we analyzed. (0:10:34) Taxation and contribution considerations and strategies for RRSPs and TFSAs. (0:20:11) An analysis of scenario one; $60,000 income and no children. (0:22:38) Basic personal amount tax credit; how it allows RRSPs to act as a tax flow-through. (0:27:20) The Guaranteed Income Supplement (GIS) and its impact on RRSP vs. TFSA analysis in different scenarios. (0:36:16) How GIS is tied to Old Age Security (OAS) payments. (0:41:12) An analysis of scenario two; a couple with two children, and the impact of the Canada Child Benefit on RRSP vs. TFSA contributions. (0:45:21) The impact of mortality and longevity on RRSP and TFSA in various scenarios. (0:47:01) Main takeaways from today's scenarios and the advice our hosts would give to different clients regarding TFSAs and RRSPs. (0:50:50) Why RRSPs are of greater benefit if you live longer compared to TFSAs. (0:52:13) Our aftershow section: listener feedback, what Ben is working on regarding renting versus buying, the zombie apocalypse, and more.   Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder Website — https://rationalreminder.ca/  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on X — https://x.com/RationalRemindRational Reminder on TikTok — www.tiktok.com/@rationalreminder Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.caBenjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/  Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://www.pwlcapital.com/profile/cameron-passmore/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Mark McGrath on LinkedIn — https://www.linkedin.com/in/markmcgrathcfp/ Mark McGrath on X — https://x.com/MarkMcGrathCFP Brady Plunkett on LinkedIn — https://www.linkedin.com/in/brady-plunkett-712489105/ Lukas Fleck on LinkedIn — https://www.linkedin.com/in/lukasfleck/ Flossing for your Finances, Personal Financial Strategies for Dentists — https://us06web.zoom.us/webinar/register/9017236574029/WN_7O_JdvejRhmh-_LleBNRmQ#/registration Episode 317: Kevin Milligan — https://rationalreminder.ca/podcast/317   Papers From Today's Episode:  ‘Tax Uncertainty and Retirement Savings Diversification' — https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2799288  

The Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Download The Canadian Rock Stars List, a selection of the safest dividend stocks in Canada: https://moosemarkets.com/rockstars Webinar: Invest with conviction: https://moosemarkets.com/webinar Webinar Replay: Dividend Income For Life : https://www.dividendstocksrock.com/dividend-income

The Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Download The Canadian Rock Stars List, a selection of the safest dividend stocks in Canada: https://moosemarkets.com/rockstars Webinar: Invest with conviction: https://moosemarkets.com/webinar Webinar Replay: Dividend Income For Life : https://www.dividendstocksrock.com/dividend-income

In today's episode Warren Ingram answers your questions about retirement annuities (RA) or a tax-free savings accounts (TFSA).  Warren discusses the benefits of a TFSA including tax-free growth, RA offers a tax deduction on contributions, how Regulation 28 governs the maximums in retirement funds, and that decisions should consider both time horizon and psychological tolerance for risk and offshore allocations.TakeawaysConsider both time horizon and psychological tolerance for risk when deciding between a retirement annuity and a tax-free savings account.Regulation 28 governs the maximums in retirement funds, but a balanced portfolio with a high allocation to shares is generally recommended.Retirement funds now offer more flexibility and offshore allocation, making them attractive investments.Tax-free savings accounts offer tax-free growth, but contributions are not tax-deductible.For more valuable insights from the 10x team, click here.Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

Welcome to today's ICYMI, where we kick off the week with a quick game-changing tip from one of our guests that you might have missed. Realtalk: everything is expensive AF right now and the economy is trash, so I'm all for every little thing we can do to save money or passively earn more. So today we're throwing it back to five easy ways to save money, how to make a little extra on the side, and the best ways to automate it all.Listen to the full episode here.Resources mentioned:https://www.spliiit.com/enWealth Simple (referral code: YFKOLG)Tune in every Monday for an expert dose of life advice in under 10 minutes.Our show is produced by:Gillian Berner, Host, Producer & EditorOlivia Nashmi, Audio EngineerCarolyn Schissler, Designer & Web ProducerSara Valentine, Content ProducerFor advertising and sponsorship inquiries, please contact Frequency Podcast Network. Sign up for our monthly adulting newsletter:teachmehowtoadult.ca/newsletter Follow us on the ‘gram:@teachmehowtoadultmedia@gillian.bernerFollow on TikTok: @teachmehowtoadult

The Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Download The Canadian Rock Stars List, a selection of the safest dividend stocks in Canada: https://moosemarkets.com/rockstars Webinar: Invest in a all-time-high market: https://moosemarkets.com/webinar Webinar Replay: Dividend Income For Life : https://www.dividendstocksrock.com/dividend-income

Here are the 8 common mistakes retirees and retirement savers make with their Tax-Free Savings Accounts (TFSA). We cover mistakes like over-contributing, misunderstanding withdrawal rules, day trading within the TFSA, and not naming a successor holder or beneficiary.   We provide actionable advice to help you avoid these common pitfalls and help you implement sound strategies so you can optimize the benefits of your TFSA for long-term financial security.  Read the full show notes and find more information here: EP 86 Show Notes

Navigating the complex world of retirement savings in Canada and wondering if RRSPs are the right choice for you?This episode is crucial for anyone looking to secure their financial future in Canada. With RRSPs being a central part of retirement planning, understanding their nuances and tax implications is essential, especially given the ever-changing economic landscape. Whether you're just starting out or looking to optimize your existing retirement plan, this discussion offers insights directly applicable to your financial journey.What you'll learn: Discover tailored strategies for RRSP investment, considering your unique financial situation and goals, ensuring your retirement plan is as efficient and beneficial as possible.Learn about the potential tax implications and benefits of RRSPs, including how to manage your contributions to minimize future tax burdens.Gain insights into alternative savings and investment strategies, such as tax-free savings accounts and the use of permanent life insurance policies, to diversify and strengthen your financial plan.Resources: Should I Invest in A RRSP or TFSA?Canada Revenue Agency (CRA) overview of the Tax Free Savings Account (TFSA)Canada Revenue Agency (CRA) overview of the Registered Retirement Savings Plan (RRSP)Book a Discovery Call with Kyle to review your corporate (or personal) wealth strategy to help you overcome your current struggle and take the next step in your Canadian Wealth Building Journey!Looking for a new mortgage, renewal, refinance, or HELOC? Reach out to Jon to share some options.Follow/Connect with Kyle Pearce on LinkedIn for daily posts and conversations about business, finance, and investment. Calling All Canadian Incorporated Business Owners & Investors:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.By hopping on a discovery call with Kyle, he will review your specific personal and corporate financial situation in order to determine if there are some quick wins available for you to minimize taxes personally or corporately, provide ideas for how you can increase your personal cash flow, and ensure that the net worth of your estate continues to grow in tandem. Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Join Braden and Simon in this insightful episode of the Canadian Investor Podcast as they demystify treasury bill ETFs, uncovering the mechanics behind this investment strategy. Discover why substantial returns are within reach without the need to meticulously pick the market's 'magnificent 7.' The hosts delve into the driving forces behind stock market returns, shedding light on key factors that shape investment outcomes. Simon shares valuable insights into common TFSA mistakes, providing listeners with the knowledge to optimize their tax-free savings. Additionally, Simon unveils a new position he recently initiated. Ticker of Stocks discussed: TOU.TO Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon's twitter: @Fiat_Iceberg Braden's twitter: @BradoCapital Dan's Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor  Spotify - The Canadian Real Estate Investor  Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.