Economy & Finance

Which account should you hold your u.s. stocks in to avoid the 15% withholding tax?

Placing your US stocks in an RRSP is only the first step; true tax optimization lies in strategic arbitrage between your different accounts and asset types. US stock dividends held in an RRSP escape the 15% withholding tax thanks to…

How to choose a financial planner in quebec who won’t just sell you insurance

The true guarantee of trust for a financial planner in Quebec is not their personality, but the structural independence of their remuneration model. The IQPF Pl. Fin. designation is a guarantee of technical competence, but not of impartiality. A fee-based…

Variable or fixed: which strategy to adopt when the bank of canada tightens rates

In the current context, the real question is no longer “fixed or variable?”, but “for how long?”. The winning strategy is to choose a short term (1 to 3 years) to maintain maximum flexibility. The goal is to position yourself…