Startup fail rates are high - but there are ways for founders to mitigate risk.
11 minutes
Key tips to get the most out of tax sheltering with TFSAs and RRSPs
4 minutes
If you’re looking at whether to raise funds or bootstrap your startup, you need to consider the balance between growth, cash flow and risk.
8 minutes
When looking at whether to contribute to an RRSP or TFSA (and if you can do both, which should come first), there are a few key considerations to keep in mind.
4 minutes
A startup is not just a small business because it fills a new or untapped niche market and brings transformational change.
5 minutes
What happened with GameStop and what can it teach us about short selling?
5 minutes
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Since startups are experiments to test innovative and often counterintuitive hypotheses, risk is an inherent part of the process. And risk here means the potential for failure.
Startup fail rates are high
But what does fa...
RRSPs and TFSAs are great vehicles to shelter investments from tax while taking advantage of compounding. Yet investors often struggle to make the most of this opportunity to grow their money because they don’t contribute to ...
Startups are capable of creating massive transformational change, but for a product to go from idea to reality, someone has to fund what’s essentially an experiment to test a hypothesis.
That money will either come from t...
Canadians have pondered whether to contribute to an RRSP or a TFSA and in what order since a second tax-efficient savings vehicle was introduced.
Registered Retirement Savings Plans are meant to encourage Canadians to save...
We live in a world in which companies that didn’t exist 25 years ago now dominate much of our daily life. Google, Facebook, Twitter, and Amazon - It’s impossible for us to imagine life without them, even more so after relying...
Unless you’ve been completely cut off from the world recently you’ve surely heard about GameStop and the market activity in its stock, as well as a few others being targeted by a new breed of retail investors in a similar man...
Do you spend more than you earn? You’re definitely not alone. North Americans have long been hooked on credit, with Canada leading the way.
Just consider the numbers Michelle Pommells ran in 2020 when examining Statistics ...
Investors usually demand the highest return possible, but with the recent huge drop in yields in the bond market, the highest income or yield isn’t necessarily ideal from a tax perspective. Buying a “high coupon” bond that pa...
There are several steps investors can take to try to reduce their tax burden on top of deciding what assets to hold - including thinking about a pooled investment’s portfolio turnover ratio or level of trading activity.
Vol...
While the tax treatment of different investments can affect your returns, investor behaviour also plays a role in the overall tax efficiency of a portfolio and long-term investment plan.
Certain types of investments are b...
Different types of investments are subject to different tax treatments.
Bonds primarily produce interest income, in the form of their coupon payments. Some stocks pay a dividend, which can be eligible for a dividend tax c...
From Chris Hadfield’s exploits on the International Space Station (ISS) to Elon Musk’s feat of sending astronauts into the thermosphere in commercial flights, space has received its fair share of attention in recent months.
...
It’s never too early (or too late) to give the gift of financial literacy. Whether you’re shopping for a financial whiz or a complete newbie, we’ve got you covered.
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It’s a pretty safe bet that most of us know the benefits of having a TFSA, but how to get the most out of one tends to be less clear.
While you can always use a TFSA to park your cash and earn interest tax free, you can al...
One of the main draws of a Tax Free Savings Account, or a TFSA, is the ability to grow your savings and investments tax free, so it’s important to understand the rules around contributions and withdrawals to avoid penalties.
...
What is a TFSA?
Tax Free Savings Accounts (TFSAs) are often touted as a great way to put money aside or invest while making sure any interest, dividends and capital gains earned can grow tax-free.
They’re a more flexible ...
Every four years, political observers try to predict who will win the U.S. presidential and Congressional elections. For market participants and commentators, the focus is somewhat different: they try to ascertain how the pos...
How many times have you heard about a company going bankrupt that somehow manages to survive?
Companies go bankrupt and sometimes it happens quite abruptly, like it did for Lehman Brothers. But, financial hardship need not...
Bre-X is indisputably one of the biggest and most infamous frauds in capital markets history, and a rather unexpected Canadian tale of greed, gold and mystery. It began with a falsified gold find unlike anything seen before (...
One of the hardest lessons for investors to grasp when it comes to penny stocks is that just because a stock appears to have a lot of upside potential, it isn’t necessarily well matched with their risk tolerance.
What’s mo...
Distressed investing involves buying the securities of issuers in or approaching bankruptcy to make a profit.
The word “distressed” reflects the fact that bankruptcy is not good for the price of a company’s securities. The...
A new Additional Tier 1 (AT1) bond, known as a Limited Recourse Capital Note (LRCN), has been introduced to the Canadian market. It’s a type of unsecured, long-dated bond banks can use to enhance their core capital base to sa...