Perspectives

Articles by Terry Tang. Market commentary, investment insights, taxation, retirement planning, estate planning, and more.

Is Your Income Splitting Strategy Really Working?
Recently, I have come across many videos on YouTube about splitting assets between family members to reduce taxes without ever mentioning income attribution rules. Bad tax tips can negatively impact a family’s finance and that is why viewers need to make sure that they are getting the right information from a qualified professional.
November 20, 2020
Welcome To Canada Consultation Program
Moving to a new country is never easy.  Fortunately, we are here to help.  We specialize in offering consulting services for individuals and families coming to our beautiful country.
September 01, 2020
MPF In Canada
Another common question asked by people from Hong Kong is the potential tax implications of MPF when moving to Canada. Interpretations from CRA already have provided answers as to how MPF can be taxed.
July 15, 2020
2020: Investing In Turbulent Times
In 2020, the world is in a mess. COVID-19, U.S. presidential election, economic war between the two largest economies the world, the list goes on. No doubt this is a very challenging year for investing.
June 30, 2020
Market Commentary - July 2020
Read our latest market commentary on hot topics and latest trends in the financial markets.
June 30, 2020
COVID-19 Market Update
In March, we witnessed the worst stock market selloff since the financial crisis 12 years ago. At that time, I have pointed out steep selloffs are often followed by sharp rebound.
April 30, 2020
It's Time To Re-Think Your Mutual Fund Strategy
If the recent market downturn has taught us anything, it is definitely the time to re-think your mutual fund strategy.
March 31, 2020
Why Market-Return GICs May Not Be Right For You
years, Canadian banks offer market-return GICs to their customers, and it is becoming somewhat popular. But is it right for you?
February 03, 2020
How To Avoid The Shirtsleeves-To-Shirtsleeves Curse
The term “shirtsleeves to shirtsleeves” is commonly used to describe the phenomenon that wealth accumulated in one generation will be lost by the third.
January 10, 2020
Canada vs. Hong Kong: Stock Markets and Sentiment
Both Hong Kong and Toronto are top financial centres yet they differ in many aspects.
November 21, 2019
Canada vs. Hong Kong: Investing & Taxes
New to Canada? Learn about investment income and taxes and how they are different from Hong Kong.
November 15, 2019
MPF vs. RRSP
New to Canada? If you're from Hong Kong, you will need to know the difference between MPF and RRSP.
November 12, 2019
RRSP vs. TFSA
Should I invest in RRSP or TFSA first? This is a common question among Canadian investors.
January 15, 2019
Market Commentary - January 2020
Read our latest market commentary on hot topics and latest trends in the financial markets.
January 15, 2020
Market Commentary - July 2019
Read our latest market commentary on hot topics and latest trends in the financial markets.
July 15, 2019
Market Commentary - January 2019
Read our latest market commentary on hot topics and latest trends in the financial markets.
January 15, 2019