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RRIF minimums lowered for 2020. Why new RRIF rules matter to seniors. Thumbnail

RRIF minimums lowered for 2020. Why new RRIF rules matter to seniors.

Amidst the economic fall out of the Covid-19 pandemic, the Canadian government announced a 25% reduction in RRIF minimums as part of a multi-billion dollar relief package.When you are in a RRIF, you are mandated to withdraw the minimum amount required by law each year. In this scenario, when the market drops drastically the RRIF payment you receive equates to you selling that portion of your portfolio at a low.

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To RRSP or not to RRSP? Thumbnail

To RRSP or not to RRSP?

Should I put money into my RRSP or not? Would my money be better off somewhere else, or is an RRSP my best option? These are questions many Canadians ask themselves as the RRSP season rolls around each year.

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Just ask. No financial question is stupid. This is your future. Thumbnail

Just ask. No financial question is stupid. This is your future.

Sometimes people feel stupid because they didn’t understand something, or they have forgotten what their advisor said and become afraid to inquire. Please don’t. If you have questions just ask. This is your financial future and it’s important you understand to the level that’s comfortable for you. It’s important for us to know as planners when we need to explain something again.

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