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Do you pay withholding tax on U.S. ETFs?

A Canadian-domiciled ETF is almost always subject to U.S. withholding tax, but there are exceptions and a foreign tax...

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Tax-efficient retirement strategy options for Canadians

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Should RRIF withdrawals be based on the younger spouse’s age?

Is there an advantage to using a younger spouse’s age to calculate minimum RRIF withdrawals? Find out.

Investing

The tax implications of gifting adult children money and more

A reader asks about investing in his RRSPs after 71, withdrawing from RRIF and a sizable gift of money...

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Gifting a parent’s assets using a power of attorney

As power of attorney, does it make sense to divide up a parent’s assets before their death?

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Can a non-resident open an investment account in Canada?

What are the options for investing as a non-resident of Canada? Which is better: an RRSP or a tax-sheltered...

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Can a LIRA be transferred to an RRSP with no contribution room in Ontario?

Moving money from a LIRA or LIF to an RRSP or RRIF can have benefits. Here’s what to consider...

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How much are withholding taxes on RRSPs and RRIFs?

Anne wants to take extra RRIF withdrawals beyond her annual minimum amount and is worried about the tax implications.

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Converting a segregated fund to a RRIF

If you hold a segregated fund and want to convert it to a registered retirement income fund, this is...