Weekend Reading: Cheap Mortgage Rates Edition

Weekend Reading: Cheap Mortgage Rates Edition

It’s no secret that mortgage rates have been incredibly low for an incredibly long time. Even when we think rates couldn’t possibly go lower, a lender tests the waters with another record-low promotion. This time it’s HSBC with an unprecedented 5-year fixed mortgage rate of 1.99%. But as mortgage broker Dave Larock points out, there’s…

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Forget About Asset Location: Why You Should Hold The Same Asset Mix In All Accounts

Forget About Asset Location: Why You Should Hold The Same Asset Mix In All Accounts

Much has been written about optimizing your portfolio(s) for tax efficiency by placing certain investments or asset classes in certain accounts. This tax planning strategy is called asset location. In this article I’m going to explain what asset location is all about, what optimal asset location can achieve, and why you should forget about it…

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