Invest your non-registered funds strategically.
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Most portfolios include non-registered investments.
Non-registered investments are especially useful for you if you envision having a large company pension, in which case RRIFs could work against you in retirement (bringing you into a higher tax bracket).
Non-registered investments don’t have the built-in tax shelter on the growth of the investment that registered policies (TFSAs, RRSPs and RRIFs) have. However, it is still possible to strategically invest so that taxes on growth are minimized.
Annuities and Guaranteed Income Funds are very efficient for non-registered retirement income. They are taxed at preferential rates and can significantly lower the income tax you pay in retirement.
At Ottawa Asset Management, we specialize in giving you affordable principal protection and peace of mind.
Call us today, or book an appointment online, for a free consultation to review your portfolio.