Listen to this Podcast
Three Smart Ways to Turn Income Tax into Cash
No one likes to think about filing for income tax. Although the thought of a tidy return is pleasant, it would be nice if we could keep more of our hard-earned money in our pockets.
The good news is that there are several tax advantages available that turn income tax into opportunity, and opportunity into cash for you. Here are three smart ways you can do that:
- Contribute to Your RRSP: By maximizing your RRSP before the deadline, you can take advantage of generous tax advantages that will put more cash in your pocket when you get your refund. When it comes time to draw on your retirement savings, you’ll save even more money as your income level, and thus your income tax rate will be lower.
- Invest Within Your Tax-Free Savings Account (TFSA): If you don’t have a TFSA, you should. By investing all or some of your income tax refund within your TFSA, the income and dividends you make from those investments is yours to keep, 100% tax-free. Withdraw anytime without penalty when you need fast access to cash.
- Income Splitting: This strategy is designed for family members to shift income from a taxpayer paying a high rate of tax to another taxpayer within the family unit paying tax at a lower rate. The result is a higher refund to spend, invest, or save to help you reach your goals.
Take advantage of these tips and learn many more ways you can turn income tax time into an opportunity to make more money for you and your family by speaking to your Carte Wealth Management advisor today!
Own a business? You have additional tax-efficient strategies at your fingertips, such as creating holding companies, incorporation, and pension plans. The result is additional funds to invest in your company and a more secure future for your family.
Wealth Management Services in Mississauga, Toronto, and the GTA
Want to learn about a financial strategy that is right for you? Call Carte Wealth Management at (905) 891-7171 today. We’d love to hear from you!
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