قراءة نهاية الأسبوع: نصائح هامة حول حساب التوفير المعفى من الضرائب (TFSA) قبل نهاية السنة!
It looks like you’ve shared a detailed blog post about financial planning, specifically focusing on Tax-Free Savings Accounts (TFSAs) and year-end investment strategies. Here’s a summary of the key points discussed in the article:
Weekend Reading – TFSA Year-End Tips
- Personal Update: The author shares that their spouse has started working part-time, which aligns with their financial independence goals for 2025.
- Safeguarding Retirement Plans: The author emphasizes the importance of safeguarding retirement plans and invites readers to engage in discussions about this topic.
- TFSA Contribution Limits:
– To check your current TFSA contribution limit, use the Canada Revenue Agency MyAccount portal but keep track of your contributions independently as there may be delays in updates.
– If you made withdrawals from your TFSA this year, wait until 2025 to re-contribute that amount to avoid penalties.
- Maximizing TFSA Contributions:
– Consider maxing out your TFSA for 2025 before contributing to other accounts like RRSPs.
– Automating savings can help achieve this goal.
- Investment Strategy within TFSAs:
– Focus on equities rather than cash if you’re not using the funds for near-term spending since cash returns are low compared to potential equity growth.
- Successor Holders or Beneficiaries:
– It is advisable to designate a successor holder or beneficiary for your TFSA, especially if it’s a partner who can inherit it tax-free upon death without affecting their own contribution room.
- Additional Resources and Services Offered:
– The author promotes various partnerships and services aimed at helping DIY investors manage their finances effectively without high fees or conflicts of interest.
- Engagement with Readers:
– Encourages readers to share their thoughts on investment beliefs and strategies while inviting them to reach out for discussions related to personal finance and investing.
Conclusion
The article provides practical tips for managing TFSAs effectively as year-end approaches while also sharing personal insights into financial planning goals related to achieving financial independence (FIWOOT).
If you have any specific questions or need further information about any section, feel free to ask!It looks like you’ve shared a lengthy excerpt from a blog post related to investing, particularly focusing on dividend stocks and financial planning. The author, Mark Seed, discusses his investment strategies and thoughts on various companies such as Tourmaline (TOU), Canadian Natural Resources (CNQ), and Brookfield (BN). He emphasizes the importance of dividends in creating wealth for investors and shares insights about the current state of the U.S. national debt.
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