The only Vanguard Canadian ETF on the 100+ list is VBG, an ex-US aggregate bond fund. I find the list of 100+ ETF really limiting in Qtrade, I use the Ishares all-in-one funds, XEQT, XBAL, XINC for my daughters RESP, and have XEQT and CGR in a small RRSP, but not having ...
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They might have different accounts for a home down payment, vacations, and an emergency fund, for example. If you need to withdraw funds from your online savings account, or move it between bank accounts, it should be fairly easy to do via the website or app, just make sure you’re ...
A HISA is a savings vehicle that you can use to grow your money for any number of reasons, including: Starting an emergency fund Anemergency fundis money you set aside specifically for those unforeseen life events that require quick cash. Urgent medical issues, car repairs and storm damage to...
My research says that the VERY BEST way to fund a US bank account is via transfer through the Canadian Snowbirds Association. CSA does a once a month combined “buy” for all members and always manage it at a saving of 1 – 1.5% from buy rates offered by the banks. Reply Barry Choi...
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“Just like the name implies, an emergency fund is meant for emergencies. Unexpected events happen in life: the car breaks down, the fridge stops working or you get laid off during a recession. Without an emergency fund to help cover your expenses, you could end up paying bills with a cr...
But since tax rules can change at any time, a spousal RRSP may be a tax risk mitigation strategy for high income savers who have a spouse or common law partner. For those in good health When you deposit money to an investment account, the account grows, as do the future withdrawals y...
Let’s look in more detail at the various ways to save for retirement, how each savings plan works, and their disadvantages and advantages. Key Takeaways Tax-advantaged savings accounts like traditional or Roth IRA and 401(k)s are among the best retirement plans to build your nest egg. ...
Is a spousal RRSP the same as income splitting? Is there income splitting for Canadian dividends? What are the benefits of income splitting? Are there cons or drawbacks to income splitting? What is the Canada Tax on Split Income (TOSI)? Conclusion My family has saved thousands of dollars eve...