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Why TFSA?
The Tax Free Savings Account is a powerful tool for investors to significantly increase their after tax investment returns and portfolio size over time. In spite of its obvious merits, the TFSA is highly underutilized by Canadian investors.
The TFSA
  • Allows investors to generate capital gains, dividend and interest income on a completely tax free basis.
  • Provides flexibility for investors with respect to contributions and withdrawals.
  • DOES NOT negatively impact income tested benefits such as medical, old age security (OAS) , the guaranteed income supplement (GIS), or employment insurance (EI) – (as does the RRSP).

Example:
An investor contributes $5,000 per year to their portfolio for a 20 year time horizon and generates an average return of 8% per year with an effective tax rate of 25%.


TFSA PORTFOLIO SIZE REGULAR (NON-TFSA)
PORTFOLIO SIZE
$247,115 $194,963

The TFSA generates additional capital of nearly $50,000 (25% higher than the regular investing account) without any extra effort or risk. There is no reason why Canadian investors should not fully utilize this important tool.



KeyStone’s Analyst Hosted Q&A Session
  • KeyStones next exclusive “client only” weekly SCR chat sessions is scheduled for:

  • Date: 11/27/2017
    Time: 5:30 p.m. Pacific Time/8:30 p.m. Eastern Time
Duration: 1 hour

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