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The best GIC rates in Canada for 2025 + MORE Dec 8th
GIC comparison tool
Find the best and most up-to-date GIC rates in Canada using the comparison tool below. Plus, use the filters to assess your estimated rate of return based on the size of your balance.
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MoneySense is an award-winning magazine, helping Canadians navigate m.... More »
The upside to waiting until age 70 to take CPP benefits + MORE Oct 2nd
Q. I am retiring next year at age 65 and I don’t know if I should take my CPP immediately, or wait. My friends and other people I know from work took their CPP when they retired and they are telling me I should take it when I retire. Are they right? When is the best time to draw CPP?
–Jit
A. H.... More »
Powell: If economy does as expected with think carefully cutting rates to begin this year - ForexLive + MORE Mar 7th
Powell: If economy does as expected with think carefully cutting rates to begin this year ForexLiveAt the open: North American stock markets start higher ahead of Powell's testimony The Globe and MailWatch Fed Chair Powell testify live before Senate Banking Committee .... More »
Do you need market-neutral ETFs in your portfolio? Apr 23rd
In August 2025, I wrote about a concept that started gaining traction among financial advisors: the 40-30-30 portfolio. This allocation emerged in the aftermath of the 2022 bear market, when rising inflation and aggressive interest-rate hikes caused both stocks and bonds to decline at the same .... More »
Making sense of the markets this week: December 21 + MORE Dec 18th
Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.
Bitcoin defies gravity
It’s as though bitcoin has left the atmosphere, moving to new all-time highs this week. Here’s a tweet from Paul R. La Monica of CNN…
Source: .... More »
What to consider when naming investment account beneficiaries
– moneysense.ca
When opening certain investment accounts, investors may have the option to designate a beneficiary. It is important to consider the implications in order to minimize tax payable and ensure estate wishes are fulfilled upon the death of an account holder.
RRSP
Registered Retirement Savings Plans (RRSPs) and other registered retirement accounts, like Registered Retirement Income Funds (RRIFs) and Defined Contribution Pension Plans (DCPPs), can have beneficiaries named to receive the account proceeds upon an account holder’s death.
The most common beneficiary is a spouse or common-law partner. The beneficiary can have the tax-deferred funds remain tax sheltered by transferring them to their own registered account. Even if the spouse is not named as the account beneficiary, there may be other methods to have the account proceeds transferred on a tax-sheltered basis to the surviving spouse.
Some wills specifically address RRSP accounts. If a will states that a spouse is entitled to amounts from an RRSP, the spouse and the executor (who is often the spouse as well) can elect to transfer the account of the deceased on a tax-deferred basis…
RRSP
Registered Retirement Savings Plans (RRSPs) and other registered retirement accounts, like Registered Retirement Income Funds (RRIFs) and Defined Contribution Pension Plans (DCPPs), can have beneficiaries named to receive the account proceeds upon an account holder’s death.
The most common beneficiary is a spouse or common-law partner. The beneficiary can have the tax-deferred funds remain tax sheltered by transferring them to their own registered account. Even if the spouse is not named as the account beneficiary, there may be other methods to have the account proceeds transferred on a tax-sheltered basis to the surviving spouse.
Some wills specifically address RRSP accounts. If a will states that a spouse is entitled to amounts from an RRSP, the spouse and the executor (who is often the spouse as well) can elect to transfer the account of the deceased on a tax-deferred basis…
