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What Is Return Stacking? For decades, the traditional 60/40 portfolio has been one of the most familiar investment structures for retirees. It typically combines 60% stocks for growth and 40% bonds for stability. Over the last 20 years, this type of balanced portfolio has delivered an average annualized return of about 6% for retirees. Because of that, trying to beat a 60/40 portfolio from a risk-adjusted return standpoint has often been difficult. The bigger challenge is tha

Many Canadians spend their entire working lives building up RRSPs with the intention of creating financial security. A registered retirement savings plan is commonly viewed as a smart way to save, defer tax, and prepare for retirement. What often gets missed in this planning process is what happens to an RRSP at death and how significant the tax implications can be for your estate. When you die, your RRSP does not simply pass to your beneficiaries tax free. In fact, RRSPs can

Gold has always sparked strong opinions among investors. Some see it as timeless security, others as an unproductive asset that simply sits there. Recently, interest has surged again as the price of gold has reached historic highs and uncertainty dominates global markets. Many investors are asking the same question: should you add gold to your investment portfolio? This article walks through how professionals view gold, what research actually says, and how gold can fit into

Executive Summary - Key Facts at a Glance | Key Point | Details | | Annual Limit | Up to $20,000 per dwelling per year | | Qualifying Criteria | Age 65+ OR eligible for Disability Tax Credit (DTC) | | Eligible Expenses | Renovations improving accessibility, mobility, functionality, or safety | | Professional Work | Must be performed by contractors with GST/HST business numbers | | Invoice Requirements | Detailed invoice with business info, work description, dates, and