Tag Archives: Retirement

Greece real estate investing for Canadians guide - book, investor checklist, and Peloponnese coastal property on a desk

Greece Real Estate Investing for Canadians

Portugal sells you a legal system you already recognize. Greece sells you something else entirely: the lowest entry price left in Western Europe, a government that’s actively courting your capital, and a market that’s still catching up to where Spain and Portugal already are. That’s the trade. You give up some of the polish and predictability, and in exchange you get in earlier, cheaper, and with fewer people ahead of you in line.

If you’ve read the foreign real estate investing pillar post or the Portugal introduction post, you know the drill by now. This is the primer for the Greek arm of the series — the 30,000-foot view before we go deep on Athens, Crete, and the islands in later posts. It won’t make you an expert on Halkidiki versus the Peloponnese. It will get you to the point where you know whether Greece deserves a spot on your shortlist at all, and what you’d need to figure out next if it does.

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RRSP Withdrawal Tax Canada: The Golden Handcuffs of Retirement

The Retirement Trap Nobody Warns You About

You were smart. You maxed your RRSP and kept your taxes down. But RRSP withdrawal tax in Canada doesn’t care how disciplined you were on the way in. You can arrive at retirement with a six or seven-figure balance and a tax bill that, in the wrong circumstances, looks worse than the one you were dodging while you worked.

The RRSP itself is not the trap. For most Canadians it is one of the best deals the tax system offers. The trap is building a very large RRSP without ever modelling the other end of the transaction. You optimize the front end, the deduction, and never run the numbers on the back end, where RRIF minimums, CPP, OAS and everything else collide.

I’m in this boat right now. Here’s what I’m seeing.

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