{"id":6936,"date":"2023-01-10T05:23:17","date_gmt":"2023-01-10T10:23:17","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/newsletters\/three-strategies-to-optimize-your-wealth-when-markets-are-volatile\/"},"modified":"2023-11-02T14:10:17","modified_gmt":"2023-11-02T18:10:17","slug":"three-strategies-to-optimize-your-wealth-when-markets-are-volatile","status":"publish","type":"page","link":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/newsletters\/three-strategies-to-optimize-your-wealth-when-markets-are-volatile","title":{"rendered":"Three strategies to optimize your wealth when markets are volatile"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-hero-block rbc-hero-wm  rbc-hero-overlap rbc-hero-overlap-mobile\"><div class=\"container\"><div class=\"row no-gutters\"><div class=\"col-lg-12\"><div class=\"rbc-card rbc-hero-card rbc-hero\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"rbc-hero-body-content\"><h1 class=\"rbc-hero-title\"><span>Three strategies to optimize your wealth when markets are volatile<\/span><\/h1>\n<p id=\"rbc48Subtitle\"><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\"><div class=\"wrap\">\n<p>Even when markets are volatile, there are things you can do to gain greater control over your financial future, build long-term wealth and organize your affairs for your loved ones.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">1. Build and protect wealth the tax-smart way.<\/h4>\n\n\n\n<p><em>Maximize your RRSP\/RRIF:<\/em>&nbsp;Your Registered Retirement Savings Plan (RRSP) and Registered Retirement Income Fund (RRIF) offer well-known tax advantages. These include tax-deductible RRSP contributions and tax-deferred growth of your investments within your RRSP\/RRIF. But Canadians generally don\u2019t take full advantage. According to Statistics Canada, just 22.3% of Canadians filing taxes contributed to their RRSPs in 2020.<sup>1<\/sup><\/p>\n\n\n\n<p><em>Catch up if you can:<\/em>&nbsp;Unused RRSP contribution room carries forward and can be used in future years. If you have unused contribution room, and surplus assets currently exposed to your higher tax rate, consider topping up your RRSP now. That way, you can start taking advantage of tax-deferred investment growth sooner. You can also catch up over time by setting up regular, pre-authorized contributions, which can be easier to budget.<\/p>\n\n\n\n<p><em>Let your RRSP grow:<\/em>&nbsp;Consider waiting to convert your RRSP into a RRIF until the deadline (December 31 of the year in which you turn 71). Then, consider taking only the minimum annual required RRIF payment. This will leave more of your RRSP\/RRIF assets to grow on a tax-deferred basis.<\/p>\n\n\n\n<p><em>Generate tax-efficient investment income:<\/em>&nbsp;Different types of investment income are taxed in different ways \u2013 when earned within a regular, non-registered account for an individual.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Interest income (including accrued interest) is fully taxable at your marginal rate each year.<\/li>\n\n\n\n<li>Eligible dividends paid by certain Canadian corporations receive a dividend tax credit.<\/li>\n\n\n\n<li>Only 50% of any net realized capital gains are taxable at your marginal rate.<\/li>\n<\/ul>\n\n\n\n<p>But within a registered account, like your RRSP\/RRIF, all investment income is treated equally: it\u2019s only taxable at your marginal rate when withdrawn. As a result, it can make sense to consider allocating more of your investments that pay interest income to your registered accounts, where they can grow free of annual taxation.<\/p>\n\n\n\n<p>Bear in mind that taxes are just one consideration, in addition to factors such as your risk profile and investment objectives, when allocating investments between your registered and non-registered accounts.<\/p>\n\n\n\n<p><em>Build tax-free wealth:<\/em>&nbsp;With your Tax-Free Savings Account (TFSA), you can earn tax-free investment income and make tax-free withdrawals for any reason. Yet most Canadians still aren\u2019t making the most of this extremely flexible, wealth-building tool: only 9% of Canadians have maximized their TFSA contributions.<sup>2<\/sup><\/p>\n\n\n\n<p>If you haven\u2019t maximized your TFSA contributions, and you have surplus assets exposed to taxes, consider catching up. All Canadian residents aged 18+ automatically receive TFSA contribution room every year, and it accumulates even if you don\u2019t use it. As of January 1, 2023, you can contribute another $6,500 to your TFSA (for a total of $88,000 if you\u2019ve been a Canadian resident aged 18+ since 2009).<\/p>\n\n\n\n<p><em>If you have any questions about tax-smart investing, contact us.<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">2. Revisit your financial plan.<\/h4>\n\n\n\n<p>One of the smartest things you can do at any time to improve your financial situation is to create a financial plan. But it\u2019s a great time to update your financial plan when markets are volatile. That\u2019s because it can give you greater confidence that you are on track to achieving your goals despite the markets \u2013 or identify strategies to help you get back on track. In fact, it\u2019s a good idea to periodically update your financial plan to reflect changes in the markets or economy, as well as changes in your personal or family situation, that may affect your goals.<\/p>\n\n\n\n<p>Your financial plan helps you:<\/p>\n\n\n\n<div class=\"wp-block-rbcwm-columns container\"><div class=\"row blockId-fc29b53a-9bdb-4703-b5fa-8fe81830b7a8\">\n<div class=\"wp-block-rbcwm-column col-lg-8\">\n<ul class=\"wp-block-list\">\n<li>Set realistic financial goals that you can achieve based on your individual situation.<\/li>\n\n\n\n<li>Establish a budget for your income and expenses that can identify opportunities to save money.<\/li>\n\n\n\n<li>Understand your overall net worth by compiling your assets and liabilities.<\/li>\n\n\n\n<li>Identify opportunities to reduce or restructure higher-interest debt.<\/li>\n\n\n\n<li>Assess the impact of higher taxes and rising inflation on your future purchasing power.<\/li>\n\n\n\n<li>Project how much you need to save, and what rate of return you need, to provide the income you need, while helping to ensure you don\u2019t outlive your savings.<\/li>\n\n\n\n<li>Coordinate your various retirement income sources, such as your RRIF, TFSA, Canada Pension Plan (CPP) and Old Age Security (OAS).<\/li>\n\n\n\n<li>Evaluate opportunities to build or protect the value of your estate.<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n\n\n\n<p>Ask us for more information about creating or updating your financial plan.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">3. Update your overall estate plan.<\/h4>\n\n\n\n<p>There\u2019s never a bad time to consider how you can organize your estate to help build your legacy and transfer wealth to the next generation, efficiently and tax-effectively. Yet according to a recent RBC Royal Trust survey, fewer than half of Canadians even have a Will \u2013 the basic building block of any estate plan. If it\u2019s been a while since you updated your estate plan, here are a few things to consider:<\/p>\n\n\n\n<p><em>Does your Will reflect your current situation?<\/em>&nbsp;Generally, your Will should be reviewed and updated at least once every five years, and whenever there\u2019s a major life event, like a change in marital status, new child or grandchild, or loss of a loved one.<\/p>\n\n\n\n<p><em>Have you appointed the right executor of your Will?<\/em>&nbsp;Acting as the executor of a Will involves completing dozens of tasks \u2013 many of them legal obligations \u2013 from probating the Will to providing bequests to filing final tax returns. When naming your executor, consider naming someone who is likely to outlive you, lives nearby, and has the time and ability to carry out these tasks. Depending on your situation, you may wish to consider a professional executor.<\/p>\n\n\n\n<p><em>Have you named someone to make decisions about your finances should you be unable to make those decisions yourself?<\/em>&nbsp;People are living longer \u2013 and living longer while dealing with age-related health issues like dementia. That\u2019s why it\u2019s important to appoint someone as your Power of Attorney (or Mandatary in Quebec) to make decisions for you, if you can\u2019t.<\/p>\n\n\n\n<p><em>Have you considered your elder care needs?<\/em>&nbsp;Plan ahead for your future care needs and how you can live independently in your own home for as long as possible.<\/p>\n\n\n\n<p><em>Have you prepared the next generation for their inheritances?<\/em>&nbsp;Having conversations with your beneficiaries in advance, and building their financial literacy, helps get them ready for their future responsibilities.<\/p>\n\n\n\n<p class=\"has-white-background-color has-background\">To learn more, please contact us.<\/p>\n\n\n\n<div class=\"wp-block-rbcwm-disclaimer\"><div class=\"my-1\"><div class=\"disclaimer\">\n<p><sup>1<\/sup>&nbsp;Registered retirement savings plan contributions, 2020, Statistics Canada (April 1, 2022)<br><sup>2<\/sup>&nbsp;Tax-Free Savings Account statistics (2019 tax year), Canada Revenue Agency<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\"><div class=\"wrap\">\n<h2 class=\"wp-block-heading\" id=\"h-wealth-management-review-january-2023\">Wealth Management Review &#8211; January 2023<\/h2>\n\n\n\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-lg-12\">\n\t\t\t\t<div class=\"row overlap-bottom\">\n\t\t\t\t\t\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/estate-plan-pets.jpg?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Does your estate plan include your pet? Five tips to consider<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<p class=\"rbc-media-card-text\"><p>If you want your pet to be cared for when you\u2019re no longer around, you need to include them in your estate plan.<\/p>\n<\/p>\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/newsletters\/does-your-estate-plan-include-your-pet\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\tRead more\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Does your estate plan include your pet? Five tips to consider<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/allworth-on-the-way.jpg?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>On the way<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<p class=\"rbc-media-card-text\"><p>U.S recessions have always been associated with equity bear markets. But it\u2019s worth pointing out the U.S. is not yet in recession.<\/p>\n<\/p>\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/newsletters\/on-the-way\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\tRead more\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; On the way<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\t\t\t\t\t\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2025\/10\/155_Wellington_11thfloor.jpg?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Our offices<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<p class=\"rbc-media-card-text\"><\/p>\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/royal-trust\/our-offices\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\tRead more\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Our offices<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Even when markets are volatile, there are things you can do to gain greater control over your financial future.<\/p>\n","protected":false},"author":18,"featured_media":20004,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"newsletters\/three-strategies-to-optimize-your-wealth-when-markets-are-volatile","footnotes":""},"rbcwm_content_owner":[],"class_list":["post-6936","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Three 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