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When considering a traditional leveraged investment strategy in which one borrows funds to purchase investments, it is critical to understand the potential risks involved. First and foremost, be aware that both investment gains and losses can be amplified, and while your investments could decrease in value, your obligation to repay the loan and related interest costs will remain. For this reason, this strategy is best suited to knowledgeable investors who already have a strong foundation of wealth and financial stability.

Although Canadian snowbirds reside in the U.S. for only a part of the year, there is the potential of being considered a U.S. resident and, in turn, having to pay U.S. income tax on the same basis as a permanent U.S. resident. This article outlines how the U.S. government determines whether you are a resident for income tax purposes; namely, it covers the criteria for meeting the Substantial Presence Test, Closer Connection Exception and the Canada U.S. Income Tax Treaty Tie-Breaker Rules.

A formalized savings plan that uses a registered plan, such as a Registered Retirement Savings Plan (RRSP), Tax-Free Savings Account (TFSA) or a Registered Retirement Income Fund (RRIF), is one of the soundest ways to realize your retirement goals. Here are some strategies you can use to maximize the benefits of your RRSP, TFSA and RRIF.

How Critical Illness and Disability Insurance Fit Together into a Wealth Plan

Are they prepared? Children and grandchildren need to get ready for their roles as inheritors.

Rates Scenario, covering currencies and markets outside of the U.S. and Canada.

Strategic commentary and an overview of financial markets.

Strategic commentary on equity and fixed income as well as an overview of fixed income markets.

BMO’s outlook on the equity markets featuring Brian Belski, Chief Investment Strategist, to help you prepare for the coming year.

Our experts provide an overview of recent global events and their impact on the markets.