Posts by Ed Rempel
Self-Made Dividends – Dividend Investing Perfected
Dividend or income investors, here are the fundamental facts on how to save tax. Would you like to receive dividends of any amount you want from your non-registered investments, and pay less tax than on ordinary dividends? You can easily do this with a little planning and proper understanding of investments. Self-made dividends are a…
Read MoreTop 10 Reasons Why We Don’t Invest in Canada
While I love living in the Toronto-area – it’s a great and vibrant place to spend time, I choose not to invest in Canada. You may not realize that Canada has only 3% of the world’s stocks, with mainly small companies with lower growth than global or US stocks. Canada is no longer a growth…
Read MoreThe 3 Keys to Building Wealth
Do you ever find yourself unsure about what to do with an investment decision? Should you buy now or wait? Is this a good time? Should I buy something safe or invest for growth? You are not alone. Most people struggle with investment decisions because they think short term and do not have faith in…
Read MoreFinancial Post Article: When should I start CPP and what’s the best way to draw down my retirement investments?
The Financial Post asked me to review the finances of a couple who are already in retirement, but want advice on their withdrawal strategy. They are curious about how much they can take out of their investment accounts each year, so they have abundant cash flow, incur minimal tax and ensure their investment portfolio will…
Read MoreFinancial Quackery
“Financial Quackery” is one of the main reasons most people struggle financially. This video and podcast episode is my attempt at humour to explain what to look for to get real advice, rather than the typical industry foolishness pretending to be advice. If you prefer to read it, here is a transcript of the video:…
Read MoreMoney123 Article: Spousal RRSPs As An Effective Income Splitting Strategy
How to save tax after you retire using a spousal RRSP. Try this! As a financial planner for Global News’ Money123 online email newsletter, I answer reader questions about investing, managing your finances, and planning for your future. In the latest email that went out to subscribers, I answered a question about why & how…
Read MoreCash Dam – Best Mortgage Strategy if You Own a Small Business or Rental Property
This article was originally published on November 20, 2017. We have since made updates to it based on relevant, new information. We’ve also added a video and podcast episode that articulates the content in the article. What Is the Cash Dam and How Does It Work? Cash Dam is a simple but powerful concept to…
Read MoreReflecting on My Life & Progress Towards My Mission in Life
Today I’m reflecting on my life and progress towards my mission in life – to educate Canadians about what really works to achieve financial security & freedom. I have seen thousands of Canadians struggle with money. I see bad or suboptimal advice based on conventional wisdom all over the financial industry and to a lesser…
Read MoreMake Your Retirement Comfortable with the “8-Year GIS Strategy”
The “8-Year GIS Strategy” is one of the best strategies to turn a modest retirement into a comfortable one for you. I am finally releasing it! For years, this is one of a few strategies that I have quietly used with select clients. Prefer an overview? Like videos? Listening to podcasts? Check out our whiteboard…
Read MoreNew OSFI Mortgage Rules – How Do They Affect The Smith Manoeuvre?
You may have received a letter from your bank or heard people talk about the new OSFI mortgage rules. We’ve had a lot of our clients contacting us about it as well, since the new rules start this year for mortgages. These new rules will affect the Smith Manoeuvre in some ways, so it’s important…
Read More