Welcome to Unconventional Wisdom – Insights from experience on building financial security.
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TFSA vs. RRSP is one of the most common questions I am asked. If you want to know for sure which is better for you, then you need a financial plan. Many articles have been written on this topic that list pros and cons with general opinions. The truth is that:...read more
Wouldn’t it be great if you could save a lot more for your future without affecting your day-to-day cash flow? One of the main things people learn when they first have a retirement plan done is that you need to invest more than you thought to have the future that you...read more
Most seniors start their CPP and OAS when they retire or at age 65, without evaluating the options. The truth is that many seniors would benefit from delaying CPP until age 70. Here is how you can figure out what is best for you. The government pensions, CPP and OAS,...read more
The most common CPP question I am asked is: “Is it smart to take my CPP early?” A quick review of the facts: The maximum CPP benefit in 2017 at age 65 is $1,092.50 per month, or $13,110 per year. You can start as early as age 60, but you get 7.2% less for every year...read more
After last night’s US election result, everyone is asking why Trump won and what this means for the US and the world. I have been reading about this all day and came across this insightful perspective from a particularly intelligent fund manager: “Last night’s...read more
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 investments, and pay less tax than on ordinary dividends? You can easily do this with a little planning and proper...read more