Articles tagged "Corporate Investing"
35 articles covering corporate investing for incorporated business owners.
English
Universal Life Insurance for Active Investors Case Study
Case study: IT contractor uses universal life for tax-sheltered corporate investments. Active control. Quebec & Ontario. When UL vs whole life. Illustrative.
Corporate Estate Whole Life Insurance Case Study
Case study: participating whole life for corporate wealth transfer. Comparable growth, lower volatility, tax efficiency. Quebec & Ontario. Illustrative. Request review.
Currency Devaluation and Asset Positioning
Currency devaluation impact on Canadian business owners. Position corporate and personal assets to protect purchasing power. Quebec & Ontario. Request review.
How Investment Income Is Taxed in Corporations
How interest, dividends, capital gains, and foreign income are taxed differently inside a Canadian corporation. Rates, RDTOH refunds, CDA credits, and what it means for portfolio structure.
Participating Whole Life Insurance Canada
Participating whole life grows tax-exempt inside your corporation and transfers value through the CDA. How the participating account works, what drives dividends, and why owners use it as an asset class.
Universal Life Insurance for Business Owners in Canada
Universal life explained for incorporated business owners. How it works, costs, risks, and when it makes sense as a corporate tax shelter. Quebec & Ontario.
Banks vs Independent Advisors: Corporate Investing
Bank platforms and independent providers serve corporate investors differently. How a dually-licensed advisor coordinates mutual funds and insurance under one strategy for your CCPC.
Capital Dividend Account (CDA) Explained for Canadian CCPCs
Every $1 of life insurance death benefit above policy ACB creates $1 of CDA, paid to shareholders tax-free. See the calculation for your numbers.
Corporate Class Funds: How They Cut Tax
Corporate class funds convert interest and dividends into capital gains inside your corporation. That means lower annual tax and more CDA credits. How the structure works and when it helps CCPCs.
Corporate vs Personal Investing: When Each Wins
Your corporation, RRSP, TFSA, and non-registered accounts are each taxed differently. Here is when to use each and how to coordinate them for the best after-tax result.
Corporate Tax Flow: How Income Reaches Shareholders
How interest, dividends, and capital gains are taxed inside Quebec and Ontario corporations. The flow from corporate income to shareholder hands, and what gets lost along the way.
Hidden Costs of Corporate Investing
Corporate investing has structural costs that compound quietly over decades. Convenience often replaces strategy. This article identifies the costs most owners miss. Quebec and Ontario.
Corporate Life Insurance for Estate Transfer
Corporate life insurance transfers wealth to your family through the CDA with zero tax. How it compares to leaving investments in the corporation and paying capital gains at death.
Life Insurance as a Corporate Asset Class
Permanent life insurance grows tax-exempt inside your corporation, avoids the passive income grind, and transfers wealth through the CDA tax-free. How to treat it as an asset class in your portfolio.
Passive Income Threshold & Small Business Deduction Canada
Inside a CCPC, passive income above $50,000 reduces the Small Business Deduction by $5 per $1. How the 2026 rule works. Quebec & Ontario.
RDTOH & GRIP Explained: Refundable Dividend Tax for CCPCs
RDTOH is the refundable tax a Canadian corporation pays on investment income. GRIP tracks income taxed at the general rate. How both work. Quebec & Ontario.
SBD Grind-Down Formula: $5 per $1 Passive Income Rule
The SBD grind-down: $5 of Small Business Deduction lost per $1 of passive income above $50,000. Formula, thresholds, fixes. Quebec & Ontario CCPCs.
Tax Deferral 50 Years: Capital Gains Explained
$1M at 6% over 50 years. Interest vs dividends vs capital gains. Tax deferral creates better outcomes. Quebec & Ontario. Illustrative. Request structure review.
Corporate Investing in Canada: A Guide
How to invest retained earnings inside your Canadian corporation. Covers surplus assessment, portfolio structure, income types, SBD grind, and passive income rules for CCPCs.
Current Tax Rates: Federal, Quebec & Ontario
Personal and corporate tax rates for 2026: federal, Quebec, and Ontario. Brackets, dividend parameters, and when to expect the next budget updates.
Estate Extraction with Universal Life Insurance | Samuel's Case Study
Case study: $500K corporate surplus could transfer $22M+ tax-free via Corporate Asset Transfer and UL. Quebec & Ontario. Illustrative. Request structure review.
Personal vs Corporate Life Insurance | Key Person Case Study
Case study: personal to corporate life insurance doubled net estate value for family business. Quebec & Ontario. Illustrative. When corporate ownership wins. Request review.
Don't Ignore Tax on Your Corporate Portfolio | Trading vs. Tax Efficiency Case Study
Case study: active trading destroys returns via hidden tax costs. Calculate true after-tax IRR. Quebec & Ontario corporate portfolios. Illustrative. Request structure review.
Preparing Your Business for Inflation: What to Do Now
Protect purchasing power during inflation. Business model, operations, balance sheet, investments. Quebec & Ontario incorporated owners. Part 3 of 3-part series.
How to Find Investment Tax Amounts on Your T2 Return for the IRR Calculator
Find investment tax amounts on T2 return. Québec and Ontario. Actual tax paid vs net after RDTOH for IRR. Step-by-step. Request structure review.
Corporate Class vs ETFs for Quebec CCPCs
Corporate class funds defer capital gains and create CDA credits that ETFs cannot. Here is how after-tax outcomes compare for Quebec and Ontario CCPCs.
ETF Investing vs Position Trading: What's Sabotaging Your Business
Why ETF investing becomes position trading for Quebec CCPC owners. Opportunity cost, SBD trap, and tax-efficient structure. Montreal & Toronto. Request structure review.
Understanding Bitcoin in 2026: A Balanced Analysis for Canadian Business Owners
Bitcoin analysis for Canadian business owners: bull case, bear case, currency devaluation context, and what to watch. Quebec & Ontario. Request review.
Bitcoin in 2026: A Visual Guide for Business Owners
Bitcoin crash, gold at $4,300+, six macro forces. Scannable visual guide for Canadian business owners. Quebec & Ontario. Request review.
Whole Life vs Universal Life: Which Fits Your Corporation?
Whole life: insurer-managed, guarantees included. Universal life: you pick the investments. How each works inside a corporation, and which fits which owner.
Investment Income Tax Calculator — SBD Grind-Down
See the real corporate tax cost when investment income exceeds $50,000. Model the SBD grind-down for Quebec and Ontario CCPCs. Interactive — no signup required.
Corporate Surplus: What to Do With It
Your corporation has surplus cash. Three options: invest inside the corp, move it to a holding company, or use insurance as a tax-exempt shelter. Here is how each path works and when it fits.
Tax-Efficient Investing & SBD Grind (Quebec & Ontario)
Tax-efficient investing inside your CCPC can help manage SBD grind from passive income. Review your structure with your CPA.
Whole Life vs Universal Life for Business Owners
Whole life: the insurer manages the money and bears the risk. Universal life: you pick the investments and carry the downside. Which fits your corporation depends on your investor profile and goals.
Corporate Investing Glossary | Key Terms for Incorporated Business Owners
Definitions of the core tax, investment, insurance, and corporate-structure terms used across iAssure's articles — for incorporated business owners in Québec and Ontario.