Investment Forum Archive
q.	I am an unincorporated business owner; therefore, my estate can be held liable. Can I protect my family's assets without incorporating?
q.	My business partner and I recently drew up a partnership agreement. Our lawyer suggested that we buy insurance on each other. I think this is unnecessary as I already own insurance and my family is protected.
q.	My income is over $85,000 per year and my husband's is $45,000. We do not foresee any equalization of taxes while we are working but can we create a retirement plan so that my taxes can be about the same as his at retirement?
q.	When my mother passed away her Retirement Income Fund was probated. The costs were heartbreaking, as the government took over 50% of the RRIF in taxes and probate fees. Can I protect my own estate and pass on the full value to my children?
q.	What suggestions do you have to maximize my own investment portfolio? There are endless lists of investment products on the market, also so many implications of tax changes. I feel I cannot keep up with these to maximize them for my own benefits. For that matter, I don't even know how to choose the appropriate products for my financial portfolio.
q.	I would like to buy some American stocks online. There are so many web-sites that provide this kind of service that I don't know how to choose one. Which ones are the best, the less expensive and the more secure?
q.	My friends and I are thinking of starting an investment club. What guidelines are available?
q.	What does it mean "Dollar Cost Averaging"?
q.	I am interested in increasing foreign content in my RRSP portfolio and I understand I can do that by moving to Segregated Funds. Is this a wise strategy?
q.	What is meant by "market timing"?
q.	What are the dangers in moving a high percentage of my RRSP into foreign funds?
q.	How can I pass the family cottage most tax effectively to our children?
q.	How do I compare Mutual Funds?
q.	What is an ETF?
q.	Mutual Funds have been performing lower than the TSE Index. Why do Mutual Fund companies continue to introduce new funds?
q.	I am in the highest tax bracket, have maximized my RRSP and now am investing my surplus cash in stocks and mutual funds. Any time I cash in some stocks or funds, I am faced with additional taxes. Is there any other investment vehicle which will eliminate some of the tax problems when I take the money out?
q.	I am 22 years old and have been investing for 4 years in mutual funds and have 3 various maturing GIC accounts. In addition, I have a savings account for my rent and my holidays. My savings account is not making a lot of interest. What else could I invest in?
q.	I am 22 years old, finished high school and have been working at Blockbuster full time. I want to become a financial planner/advisor and gradually a financial sector executive. What other courses besides the Canadian Securities course would I have to take to achieve this?
q.	I am concerned with all the happenings in the market and feel perhaps that I should move my Equity Mutual Funds into something safe. I feel very confused with the news about the various markets and don't really know if now is the time to move my money. Where should I move my assets during this volatile time?
q.	Why should I invest my money in an RRSP when I will be 100% taxed on it when I retire?
q.	I am a 45 year old business owner. The business largely depends on me for growth and income. My concern is that, if I should become disabled, my retirement funding will be insufficient. With about 20 years to go to retirement, I could potentially miss a lot of RRSP contribution. Is there a way I can secure my pension income?
q.	My mother is turning 69 this November and must turn her RRSP into an income, either a RRIF or an annuity. She has had a combined rental and earned income of over $50,000 plus her CPP income. Can she still contribute to her RRSP?
q.	I recently inherited a large sum of money. I am in the highest income tax bracket, have maximized my RRSP contribution and am looking for a "safe" and tax effective investment fund.