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News & commentary

News & commentary

Get fresh perspectives on the latest investment and financial news and trends from the Luft Financial team, as well as from leading experts in Canada and around the world.

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January 2021 Portfolio Management Team Update

Market & Economic Environment Global equities added to their record November gains last month, to cap a strong quarter and end one of the most volatile years in memory on a positive note. As the rollout of vaccines to combat Covid-19 commenced in December, optimism that economies would gradually return to normal helped prop up […]

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Insuring yourself to the “Bones”

RRSPs and Your Estate

Most people are aware that they are able to roll their RRSP/RIF to a spouse, common-law partner or financially dependent child or grandchild with a mental or physical disability. What some people don’t always understand, is what happens to the RRSP/RIF if it is being left to anybody other than a spouse, common-law partner or […]

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December 2020 Portfolio Management Team Update

Market & Economic Environment Global equities posted their best-ever monthly gains in November, with the MSCI All-Country World index up by a record 11.3%. Risk appetite rebounded as positive news about three vaccines’ efficacy in preventing Covid-19 (greater than 90% in the case of the Pfizer-BioNTech and Moderna vaccines) triggered a massive rotation into stocks […]

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Return of Premium riders – Getting your Money Back from an Insurance Policy

If you’re like most people, you probably don’t like paying for insurance. After all, you only get to use Critical Illness insurance when you get sick, and Disability insurance after you’ve been hurt. Neither of those scenarios is desirable. While Critical Illness and Disability insurance can certainly protect you against these potential risks, both these […]

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2020 Top Five Year End Tax Tips from your Team at Luft Financial

Here are some strategies to help you minimize tax as 2020 winds down. 1) Charitable Donations Donating to a charity during these difficult times not only directs your funds where you think they are most needed, but it also has additional benefit of tax savings. Amounts over $200 to a registered charity qualify you for […]

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RRSPs and Critical Illness – Retirement & Safety Nets

Many of us contribute our hard-earned dollars into our RRSPs so that we can retire comfortably one day. Because of the taxation of RRSP withdrawals, money contributed should stay inside the RRSP until you are retired and in a lower tax bracket. This makes these funds somewhat illiquid. But what happens if you get sick […]

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