Canadian investors have toughened up
The one detailed below on commuting the value of your pension won’t be an option for many, but for those with the ability to take advantage, it could meaningfully improve their retirement finances for years to come.This opportunity is based on three fundamental facts.First, the current or commuted value of your pension is much higher when interest rates on 5 Year Canadian Bonds are low. The five year bond is trading near historic lows, at 0.57 per cent at the time of writing.Secondly, you can use the paid out pension money to buy some very solid long term Canadian investments with dividend yields of six per cent or more.Finally, the effective marginal tax rate on Canadian dividends is very low. In Ontario, British Columbia and Alberta, you don pay any tax on such dividends at $40,000 of taxable income, and only 7.6 per cent at $70,000 of taxable income.Canadian investors have toughened up, and more lessons my clients have taught me during this crisisMarkets are fearful and history tells us that means the time to buy is right nowThese unfair tax policies are putting a burden on women and seniors and need to be changed nowLet take a look at each of these facts.Why low interest rates make your pension worth more todayThis only relates to the one time value of defined benefit (DB) pension plans, since defined contribution plans go up or down in value each month based on the investment value of your account.Low interest rates can be great for DB plans because they are valued on a specific date usually monthly.
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