Q&A from Canadian Financial Summit (podcast)

1. 在什么收入税范围内应该考虑将更多的钱投资到RRSP与TFSAin order to reduce owing taxes? Is there a tool or a guide for this? Also, how would this answer differ if you have a spouse/children or non-working spouse?

2.How do you managesequence of return riskfor the first 7 years of retirement, when using a 100% equity allocation? Do you use a fixed-income equivalent to the cashflow needs for those years?

3.在退休中拿出钱时，您如何在将其从应税帐户中取出，与您的TFSA与您的RRSP?

4.If the bond run is truly done, what are the options for the Fixed Income allocation?它只是高利息储蓄帐户还是其他ETF选项？

5.Can it be okay to have a mortgage in retirement? The common advice is to not have it, but with rates being low, there is a large opportunity cost when we could just invest the extra money instead.

6.对于接近退休（50年代或60年代）而没有退休节省的人，他们是否应该专注于支付抵押贷款或投资？

7。For somebody that wants a safety component to their portfolio, should they be using a bond ETF, GICs, cash, or stocks that pay somewhat stable dividends?

8。对于即将退休并拥有涵盖大部分或全部费用的明确福利养老金的人，如果他们的股票很高（例如80-100％）?

9。We received several questions about thebucketing strategy。对于想要这样做的人，您对某些好的结构有何看法？

例如，我们看到的一种普遍建议的遗愿方法是现金/GICs 1 - 2年，固定收益/股息投资3-5以及剩余的股权。

10。The next person asked: You mentioned that having您的投资组合中的债券会产生性能阻力。But, having bonds also lets you rebalance when stocks are low so that you are essentially buying them at a low point. Therefore, doesn’t it make sense to have some money in bonds to allow you to rebalance when markets are lower?

11.投资时调整后的成本基础是什么？如果您不正确跟踪它会产生什么后果？您如何建议我们跟踪它？

12.您是否知道无需征税即可将RRSP资金转移到TFSA？是否存在使用保险单或建立抵押投资公司的方法？

与共同相关的投资问题

13.COVID-19 has resulted in governments across the world increasing their spending to help citizens and businesses during these unprecedented times. With the very high level of governments debt that has resulted, what are the consequences that we individually investors should prepare for? How should we adjust our investing and financial planning for this?

14.We also got several questions from Canadians being worried about currencies falling, especially in the US. What are your thoughts on this and what actions (if any) should we take?

史密斯机动

15.你能解释一下史密斯机动strategy, specifically the Smith/Snyder version?

16.您可以继续投资多长时间史密斯机动一旦您转换了抵押贷款？您什么时候可以（或应该）从建立的个人养老金计划中赚钱？

17.你能做史密斯机动by investing in things other than the stock market? (ex. real estate, private lending)

18。Are there any ETFs that you would suggest for the史密斯机动？

19。Can one be investing via the史密斯机动forever? Is it advisable to do so, if you could?

20。The史密斯机动Question: How do I service my HELOC if I have no dividends coming in?

21。The史密斯机动有关“债务掉期加速器”的问题。主要的想法是使用我已经在未注册或注册帐户中拥有的已经投资的钱来支付我不可扣除的可读抵押贷款。然后重新借鉴增加的HELOC余额，以便投资于非REG帐户。所以问题是：我可以一遍又一遍地使用“相同”的钱？

Other Questions

22。与较高资金的MER相比，劳工赞助基金的税收抵免优势值得吗？在SK中，劳动力赞助的最大贡献为$ 5000/年。它必须保持投资8年。$ 5K的滚动投资实际上是在高级MERS上投资的4万美元。如果MER为3.25％，则为$ 1300/年。32％的税收抵免的最低税税是多少？

23.Is there any Ed Rempel “unconventional wisdom” about adding a child on an elder parent’s home property? Would doing so skip the cap gains exemption offered to the elder parent, passing the property to the child without utilizing the parents’ primary residence cap gains exemption?

24.I am 56, single and plan to retire this year. I have over $3 million, almost all in RRSP & LIRA. Clearly when I turn 72 and have to withdraw from my LIF and whatever is in my RIFF it will likely be in the highest or second highest tax bracket if I don’t touch it before then. I will also have all my OAS clawed back. How do I minimize my lifetime taxes?

25.关于汇率和预扣税，我需要了解什么？

26.If someone’s TFSA is maxed out, and they are already in the lowest tax bracket, should they just invest in their taxable account?

27.您会向坐在大量现金（未投资）上的人推荐什么？

Ed