Most Canadians earn less than $100,000, but if you had a professional career, worked for 30+ years, earned a pension and saved diligently to build up an investment portfolio, a $100,000+ income at retirement is achievable. OAS, CPP, a pension, RRIF income and investment income can all add up to a six figure income number, and if you live in Vancouver, you may have benefitted significantly from downsizing your high priced home, releasing cash to enhance your retirement income. But it’s what’s left after-tax that counts.

Successful investors in the stock market know to let gains run by avoiding frequent trading that only hands over tax to the government, money that otherwise is available for investment. This deferral of capital gains tax is a smart decision that keeps money in your hands to compound returns over time, pushing out the tax liability far into the future.

Welcome to a new space for us at Hybridge! We’ve been in the business for a long time and have…