Understanding TFSAs: Tax-Free Savings for Canadians | Sean Moore, CFP® posted on the topic | LinkedIn
Understanding TFSAs: Tax-Free Savings for Canadians | Sean Moore, CFP® posted on the topic | LinkedIn
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Most people assume that naming a successor on a TFSA always gives the spouse the best outcome. That’s true in a bank TFSA or a mutual fund TFSA… but segregated funds work differently. In a seg fund, naming your spouse as the successor means the contract continues at the current market value. No death benefit is paid. If the market dropped, your spouse inherits the lower number. But if your spouse is named as the beneficiary, the contract ends and the death-benefit guarantee is triggered. That pa
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