Today's Best GIC Rates

September 29, 2016

arrow up1 Year1.90%
arrow up2 Year2.05%
arrow up3 Year2.14%
arrow up4 Year2.15%
arrow up5 Year2.15%
arrow upCashable1.20%

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Latest News

September 2, 2016 at 10:34 am | by Alex Preswick

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The Clock is Ticking!

The Clock is Ticking!

Don’t Put Off Your Decision to Buy Life Insurance

2016 is an opportune year to buy life insurance. New laws affecting the taxation of life insurance come into effect on January 1, 2017. After this date new policies will not perform as well as they do currently. The good news is that the proceeds of life insurance policies paid at death still remain tax free. What has been affected is the amount of cash value that may accrue in a policy and the tax-free distribution of death proceeds from a life insurance policy owned in a corporation.

Does Your Business Qualify?

As a business owner, you may be aware that when you dispose of shares in your business you could receive an exemption on all or a portion of the capital gains that ordinarily would be taxable. This is due to the Lifetime Capital Gains Exemption which says that, for 2016, up to $824,176* of capital gains is exempt from taxation. The Lifetime Capital Gains Exemption (LCGE) is available to individuals who are disposing of or deemed to have disposed of:

July 4, 2016 at 10:27 am | by Alex Preswick

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Are You On The Right Track?

Are You On The Right Track?

In bull markets some investors develop unhealthy expectations as to the long term yields their investments should provide. Ten years ago, some came to accept returns as high as 15% to 20% per annum as the base return their fund and portfolio managers were expected to provide. Of course, these expectations came crashing back to earth in 2008 as the bull was chased away by a very large bear. Today, many fund managers are of the opinion that double digit returns are going to be very difficult to achieve with any consistency over the long term.

June 2, 2016 at 10:16 am | by Alex Preswick

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Segregated Funds: Investing With A Safety Net

Segregated Funds - Investing with a Safety Net.

Investing in today’s environment is not for the faint of heart. However, fortunately for Canadians, Segregated Fund products offered by many life insurance companies provide a safety net for nervous investors. Fund products present some interesting opportunities for people looking to get more security in their investment portfolios without sacrificing their potential for growth.

May 3, 2016 at 9:11 am | by Alex Preswick

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Retirement – Are you Prepared?

Retirement – Are you Prepared?

Whether you are decades away from retirement or if it is just around the corner, being aware of the planning opportunities will take the fear and uncertainty out of this major life event. Blue sky your retirement plans to get clarity As you approach retirement, preparation and planning become extremely important to help ensure that this period of your life will be as comfortable as possible. If you are like most, you have spent considerable time contemplating the type of retirement you wish for yourself.