The Self-Employed & CPP: A Pension or A Tax?
When a self-employed person collects personal income, they have to pay into the Canada Pension Plan (CPP). This can be[…]
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Personal finance blog for Canadian doctors and other high income professionals.
A Canadian physician blog for helping other Canadian physicians learn to manage and improve their financial health, invest, and build wealth to support them in having fulfilling careers and lives.
Kick Work-Life-Imbalance’s Ass: Find Your Karate.
With a busy career and family life, self-care can suffer. Karate was a good strategy to restore balance for my family and I. Find out why and how to find your own “karate”.
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Capital Gains Harvesting In A Personal Taxable Account
Capital gains harvesting is the process of realizing some capital gains on an investment and then immediately buying it back[…]
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Do You Earn What You Are Worth?
The main purpose of this site is to feature content that helps physicians and other high-income professionals find success, balance,[…]
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Time for Capital Gains Harvesting From Your Corporation?
Conventional wisdom is to avoid realizing capital gains in order to defer taxation as long as possible. However, there are[…]
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SORR (Seqencing Risk) Reduction Using Cash Flow Strategies
The sequence of returns risk (SORR), or sequencing risk, is the risk that you will be unlucky and have lousy[…]
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Asset Allocation Strategies To Attenuate Sequence of Returns Risk.
In the preceding post, I described the sequence of returns risk – the risk that you will get unlucky around[…]
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Volatility & Risk Part 2: Sequence of Returns Risk
The sequence of returns risk is a mathematical risk that is caused by cashflow and magnified by volatility. It peaks as we approach and shortly after we’ve arrived at our financial destination.
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Volatility and Its Risk To Your Portfolio – Part 1
Managing risk is a key component of successful investing. There is investment risk that we try to mitigate through diversification.[…]
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Tracking Difference: Hidden Cost of ETF Investing or Nothingburger?
I am a proponent of passive index ETF investing. Historical performance supports that view with most active managers trailing the[…]
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