This article is about the options available to you for fixed income investing, and will look at individual bonds, bond funds, and ETFs that invest in bonds.Â
First, we should look at why a portion of your investment portfolio should be in fixed income, and not all in equities (stocks).Â
Oh, you’ve been watching the markets this [...]

This opinion editorial piece has appeared in several US newspapers.
Canada and the United States are neighbours and have long been the closest of friends.  We share a common border and we share many common values.
One of those values is fighting tax evasion. We believe in fair tax systems where everybody pays their share.
Many Canadians, however, have [...]

We are now three years into the Tax Free Savings Account era, and there still seems to be a lot of confusion among Canadians about the rules.
It’s also safe to say that Canada Revenue Agency may also be a little confused.
In August, CRA sent out more than 100,000 letters telling holders of TFSA accounts that [...]

Are your benefits or your contributions defined?
Making sense of pension names, types and rules
When I talked in August about the unfair application of pension splitting rules and the pension income credit amount and made reference to defined contribution (DC) pension plans and defined benefit (DB) pension plans, a number of readers wrote asking me to [...]

There has been an amazing amount of publicity and hype in the last few weeks about the US Internal Revenue Service (IRS) and the August 31 deadline for US taxpayers – including those living in Canada – to participate in the latest IRS voluntary disclosure program.
Let’s try to sort through all the noise and lay [...]

This IRS disclosure initiative – OVDI for short – is designed to allow Americans who have foreign bank and investment accounts – which they have been keeping secret from the IRS – to avoid criminal prosecution and enormous fines and penalties, by voluntarily disclosing ALL of their foreign holdings, and the maximum annual balance in [...]