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POSSIBLE USA TARIFFS
Needless to say, we as Canadians have all been deeply concerned about the implications of a possiblity 25% USA imposed tariffs on our lives and livelihood’s. The uncertainty of this is stressful for all of us. As recommened we should always whenever possible to try and put aside enough funds for 3 months living expenses. […]
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TFSA CONTRIBUTION FOR 2025 HITS $7000
Opening a Tax-Free Savings Account (TFSA) in Canada offers several advantages: Tax-Free Compounding: Investments inside a TFSA grow tax-free, allowing your investment to compound faster without the drag of annual taxes. Flexibility: TFSA withdrawals can be made at any time and without any withholding tax. This gives you the flexibility of a savings account with the […]
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The Difference Between Dividend and Interest Income
In Canada, the taxation rates for dividend and interest income are different due to the preferential tax treatment given to dividends in the form of a “dividend tax credit”. Interest Income: Interest income is fully taxable and is taxed at your marginal tax rate based on where you live in Canada. For example, if an […]
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The Truth about Mutual Funds
Yes, it is generally true that most mutual funds underperform the market. According to various studies and reports: More than 75% of mutual funds underperform the market. Across all domestic actively managed equity funds, 88.4% underperformed their respective benchmark over the last 15 years. In 2022, exactly 50% of all domestic funds underperformed the S&P […]
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