Once you've maximized your registered accounts, non-registered accounts offer flexibility with no contribution limits — for both individuals and corporations.
A non-registered account has no contribution limits, no restrictions on withdrawals, and can hold virtually any type of investment. Unlike registered accounts, investment growth is taxable — but different types of income are taxed differently, creating planning opportunities.
For incorporated business owners, investing excess corporate cash in a non-registered corporate account is a common and effective strategy. Corporate investment income is subject to different rules than personal income, and strategies like corporate-owned life insurance can significantly reduce the tax burden on corporate investment growth.
A corporate non-registered account combined with a corporate-owned life insurance policy is often the most tax-efficient way to grow retained earnings inside a corporation. Ask me about this strategy.
Segregated funds are insurance-based investment products that can offer principal protection, creditor protection (important for business owners), guaranteed death benefits, and the ability to name a beneficiary — all features not available with regular mutual funds or ETFs.
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