HXEM vs XEC or ZEM ETF in a Personal Taxable Account| Physician Finance Canada
How to Budget for Different Purposes| Physician Finance Canada
Between a new puppy and a cottage, I haven’t found much time to sit down and write this summer. However,[...]| Physician Finance Canada
Income Splitting Strategies For Canadians (Video)| Physician Finance Canada
Here is a link to an article and video about how to use the calculator and related articles about corporate[...]| Physician Finance Canada
Post-secondary training is expensive. An RESP is a tax-saving way to plan for it. Plus, you can get free money. Learn how they work.| Physician Finance Canada
Choosing an accountant is mandatory for most physicians and other business owners. Getting the right one is even more important.| Physician Finance Canada
Dividends To Maximize Your Corporate & Personal Cash Flow| Physician Finance Canada
Learn the real reasons why portfolio rebalancing is an important part of being a successful DIY investor. What is it and why bother?| Physician Finance Canada
Investing is risky. Not investing is even riskier, since you will lose the power of your money to inflation. Start your training to grow your money while reducing investment risk through diversifying the tools in your portfolio.| Physician Finance Canada
Volatility & Risk Part 2: Sequence of Returns Risk| Physician Finance Canada
Comprehensive video summary of income splitting strategies to reduce high-income Canadian household tax bills.| Physician Finance Canada
See the potential tax affects on realizing a capital gain now versus a higher tax rate in the future in a personal taxable or margin account.| Physician Finance Canada
This calculator shows tax integration for the flow-through of income via a Canadian Controlled Private Corporation (CCPC) vs taking income[...]| Physician Finance Canada
Corporate Capital Gains Harvest Simulator| Physician Finance Canada
Home Equity Investment Loans – Leveraging The Loonie Bin For Income Splitting| Physician Finance Canada
Canadian Controlled Private Corporations (CCPCs), such as professional corporations, can be great tax-deferred investment vehicles. Further, capital gains flow very[…]| Physician Finance Canada
Rational Reminder Podcast Appearance| Physician Finance Canada
Learn about the potential pitfalls that could turn a good investment into a speculative gamble and derail your investing success.| Physician Finance Canada
A physician personal finance blog for Canadian doctors, dentists, and high income professionals to better invest, tax plan, and manage wealth.| Physician Finance Canada
If you are looking for a foundational education about investing linked to tools and guidance to start DIY investing, I[...]| Physician Finance Canada
Gains en Capital des Sociétés Privées : Deux Petites Sociétés du Québec| Physician Finance Canada
Find out why all-in-one asset allocation etfs are a simple and effective way to invest. Compare their Canadian fee and tax drag.| Physician Finance Canada
Learn why now is the best time to invest. Harness compounding & avoid costly mistakes: invest lump sum or dollar cost average. Do something.| Physician Finance Canada
How are ETFs liquid? ETF design enables multiple layers of liquidity. Find out how and four best practices to get you the best price.| Physician Finance Canada
Learn how asset allocation ETF simplifies investing while rooted in portfolio theory and empirical data for better results.| Physician Finance Canada
For those using the HXEM ETF to venture into emerging markets in the corporate investing. Do there be tax savings or do there be serpents?| Physician Finance Canada
Horizons' HXDM ETF is a tax efficient way to invest in EAFA developed markets in a corporate account. Do the savings outweigh the costs?| Physician Finance Canada
Corporate class swap ETFs can be extremely tax efficient. Until they aren't. Learn about the tax risks to spot them and plan accordingly.| Physician Finance Canada
Dr. Bill McCauley from Western University and I recently had a great conversation on The Hat-Rack Podcast. This was a[...]| Physician Finance Canada
Do ETFs have hidden costs that can drag on your returns? Learn how to find them and whether they matter to your investment strategy.| Physician Finance Canada
A 25 minute crash course in the evidence and rationale behind all-in-one asset allocation ETF investing. The post Video: Evidence-Based Investing Using Asset Allocation ETFs appeared first on Physician Finance Canada.| Physician Finance Canada
Self-employed incorporated business owners have multiple pension options when planning for their retirement. Using an RRSP or an individual pension[...] The post Should I Consider Buying Into a Group Pension? appeared first on Physician Finance Canada.| Physician Finance Canada
Learn about how multi-employer pensions work, and take a look at Medicus and HOOPP as physician pension options.| Physician Finance Canada
Learn more about income management risk of corporate class funds. Do Horizons ETFs corporate class have smooth sailing or a tax-berg ahead?| Physician Finance Canada
I recently had the pleasure of chatting with Stephen Jagger, co-founder of the Canadian real estate crowdfunding platform Addy. We[...] The post Addy Podcast Appearance: Money, Medicine, & More appeared first on Physician Finance Canada.| Physician Finance Canada
Learn the anatomy of market corrections and bear markets. The best actions to take in response to them and why. The post Making The Most of Market Corrections appeared first on Physician Finance Canada.| Physician Finance Canada
Learn more about different ways to use a budget and I'll also provide some links to spreadsheets or apps that may help you.| Physician Finance Canada
Paying attention to tax planning reduced our annual tax bill by half. Learn about some of the strategies that I used.| Physician Finance Canada
Reduce SORR (sequencing risk) by having flexible cash flow when approaching retirement. Learn a practical approach to the options.| Physician Finance Canada
An unlucky sequence of returns can torpedo a retirement portfolio. Compare asset allocation strategies to mitigate that risk and put it into context.| Physician Finance Canada
Learn what volatility really is and the risks that it can pose to your investing - both along the journey and when you reach the destination.| Physician Finance Canada
Spending wisely is a pillar of personal finance. Many equate that simply with being frugal. My patients have taught me that it is much more.| Physician Finance Canada
The corp class HBB and ZDB discount bond ETF offer improved tax efficiency for similar portfolio stabilization. What are the risks & benefits?| Physician Finance Canada
Emerging market ETFs may add diversification. How does the tax efficiency of HXEM compare to the XEC VEE & ZEM ETFs.| Physician Finance Canada
HXDM is an ETF to cover international developed markets using a swap-based corporate class structure. How does that compare to XEF VIU or ZEA| Physician Finance Canada
HXS & HULC are corporate class ETFs. Learn how the costs, tax savings, and potential risks look in a taxable investment account.| Physician Finance Canada
Global X's HEQT ETF is about to have a massive phantom distribution. Sounds spooky. Can you avoid it? Should you?| Physician Finance Canada
Mutual funds bad vs ETFs good is actually a common refrain, but that is too dogmatic. Learn how to choose a fund type that suits your goals.| Physician Finance Canada
Breaking up with a financial advisor can be hard. Even when it is right. Learn how to overcome common deterrents. Like triggering taxes.| Physician Finance Canada
This page explains how to open an informal trust investing account. It is a paper application, and people often get[...]| Physician Finance Canada
Corporate class ETFs can result in big tax savings for investors. Learn about how they work and how robust Horizon's swap total return ETF structure is.| Physician Finance Canada
Quantifying investment risk helps us make better decisions. Greater risks are associated with greater potential rewards to entice investors to take them. The Horizon swap-based TRI ETF funds return a premium compared to conventional ETFs, but how big is it? Calculating the risk premium can help.| Physician Finance Canada
Horizon's swap-based total return index (TRI) ETFs have a tax benefits that make them attractive in taxable or small Canadian Controlled Private Corporation (CCPC) tax accounts - especially with the new 2018 passive investment income tax rules. However, they also carry a number of risks to consider.| Physician Finance Canada
Debt is spending Future-You's income. Used wisely, it can help your future self and they will be grateful. Poor debt management will put them in a bad spot. Find out how to tell the difference by talking to them. Before you become them, and it is too late.| Physician Finance Canada
Sequence of returns risk for investors is caused by cashflow and magnified by volatility. Learn what it is to be able to plan for it.| Physician Finance Canada
A step by step guide, with screenshots, about how to open a Qtrade discount brokerage account.| Physician Finance Canada
I remember as a kid, all of the neighborhood boys congregating to act out our favorite WWF wrestlers. It usually[...]| Physician Finance Canada
Paying off debt vs TFSA RRSP or RESP building are competing priorities. Starting to invest, even in debt, may have long term advantages.| Physician Finance Canada
In this post, I start to unpack my net worth growth over the past fifteen years. Learn how I think of net worth and insights from my journey.| Physician Finance Canada
Learn about the different flavors of financial independence retire early (FIRE) and which suits your palate.| Physician Finance Canada
One ring to rule them all, one ring to find them. One ring to bring them all and in the[...]| Physician Finance Canada
Learn how money works with your human capital and financial capital to build holistic wealth within the context of our economy and society.| Physician Finance Canada
Learn of some rules to follow for financial and career success. Dr. Latestart shares the wisdom that he has garnered the hard way. So you don't have to.| Physician Finance Canada
Becoming truly wealthy means building more than just your net worth. Deploy your human and financial capital to build holistic wealth.| Physician Finance Canada
Career fulfillment and financial success do not happen by accident. You can make that happen by actively shaping your career deliberately.| Physician Finance Canada
Moving up the socioeconomic ladder and building generational wealth can create problems. Recognize your response to better adapt.| Physician Finance Canada
Learn the best RESP contribution strategy for those with a large lump sum to invest in an RESP. The anwer depends on income, returns, and timeline.| Physician Finance Canada
The new tax laws for passive investment income in Canadian professional corporations can impact physicians or other high income professionals with a high savings rate.| Physician Finance Canada
The new federal tax laws for investment income in professional corporations and small businesses will have different potential impacts on retirement saving for physicians and other high income professionals.| Physician Finance Canada
Refundable Dividend Tax on Hand (RDTOH) is a refundable portion of the tax collected on passive investment income in a professional corporation (like an MPC) or Canadian controlled private corporation (CCPC). Understanding it helps to reduce your tax bill.| Physician Finance Canada
An RRSP (registered retirement savings plan) is one of the best tax shelter accounts for Canadians to save for retirement. This includes doctors and high income professionals. In fact, they can benefit the most.| Physician Finance Canada
The fees saved by DIY investing can help your investments grow faster. When could hiring a financial advisor add value to overpower that?| Physician Finance Canada
Learn the cost of complacency for sticking with a high investment management fee model vs switching to DIY ETF investing.| Physician Finance Canada
A common dilemma is whether to pay off debt vs start investing. Only you can choose the best path. Find out how.| Physician Finance Canada
This page houses articles that I have written about using a Canadian Controlled Private Corporation (CCPC). These can go by[...]| Physician Finance Canada
One of the first dilemmas that people face is that they know that they need to start investing, but they[...]| Physician Finance Canada
Learn how to reduce your tax bill by building investments attributed to a lower income spouse. Without running afoul of the attribution rules.| Physician Finance Canada
The last federal budget attacked the allocation to redeemer methodology that swap total return index (TRI) ETFs use to be tax effiicent. Learn what it means| Physician Finance Canada
Learn about strategies to withdraw larger sums of money from your corporation to fund personal spending tax efficiently.| Physician Finance Canada
Learn about attending physician income and medical student debt repayment tips. Plus a calculator to show you it will be okay.| Physician Finance Canada
Medical student debt can be overwhelming, but it will be okay. Learn why and how to make the eventual debt repayment easier.| Physician Finance Canada
Most professionals accrue debt. How we think about debt enables us to use it effectively and is vital for our future financial wellness.| Physician Finance Canada
Learn how to invest through a Canadian Private Corporation (CCPC), such as a professional corporation to minimize tax and maximize growth.| Physician Finance Canada
Use a TFSA to maximize your tax-free income in retirement. The tax-free savings account rules, strategies, and potential pitfalls are discussed.| Physician Finance Canada
Donate to charities more tax efficiently to get the most credits or deductions whether personally or through your business or corporation.| Physician Finance Canada
Learn why to pay yourself some salary as a self-employed professional. If incorporated, learn how to balance that with using dividends.| Physician Finance Canada
Learn how to best pay dividends from your Canadian private corporation to maximize your personal and corporate cash flow.| Physician Finance Canada
Learn how contributing to the Canada Pension Plan (CPP) and Enhanced CPP compares to other investments options.| Physician Finance Canada
The new Federal passive income tax on small businesses was not mirrored by Ontario and New Brunswick. Find out how that could led to a tax savings!| Physician Finance Canada
A corporation has different accounts to optimally hold your money. There are also notional accounts that only exist on paper. Still, those can mean real money through the tax refunds and advantages they offer. Learn how.| Physician Finance Canada
Learn how to capital gains harvest or tax gains harvest from investments in a Canadian private corporation (CCPC, MPC)to reduce taxes.| Physician Finance Canada
Use step-by-step instructions and tools to help you transfer accounts or funds to your Qtrade account.| Physician Finance Canada
An interactive guide to start DIY investing using Qtrade with links to detailed step by step instructions and tools.| Physician Finance Canada
The first step in your DIY journey is to create a Qtrade Login. This will make you a dashboard. Once[...]| Physician Finance Canada
Objectively consider the arguments mutual fund advisors use to dissuade you from saving with DIY investing and keep their commissions going.| Physician Finance Canada
Learn income splitting strategies to lower your household tax bill in Canada. Both for high-income workers and business owners.| Physician Finance Canada
A video to learn about the evidence behind all-in-1 asset allocation ETFs. What are the potential pros and cons compared to other approaches.| Physician Finance Canada
Investors win in the long term and gamblers are destined to lose it all. Learn the difference to invest wisely vs gamble.| Physician Finance Canada
Learn how investing protects you against inflation, premature retirement, excess taxation, and longevity risk. Or don't, and compound risks.| Physician Finance Canada