If you own a business in Canada, the question of whether to hold life insurance personally or through your corporation can have big consequences for taxes, estate planning, and long-term wealth. Below is an overview of how each option works and when one may be better than the other. Comparison: Corporate-Owned vs. Personal Life Insurance Category Corporate-Owned Life Insurance Personally-Held Life Insurance Who owns the policy Corporation (typically a CCPC) Individual (busine

When Canadians think about investing, it’s common to focus on what’s familiar like the Canadian stock market, local real estate, maybe a few big U.S. companies. But the Canada Pension Plan Investment Board (CPPIB) , which manages retirement funds for millions of Canadians, doesn’t stop at our borders. Their approach tells us something important: diversification isn’t just about what you invest in, but also where. CPP Investments: A Global Strategy As of September 30, 2025 , h

When most Canadians think of investing, their minds go straight to stocks, mutual funds, or maybe a TFSA. But the Canada Pension Plan (CPP) Investments portfolio  (the fund managing your retirement contributions) takes a much more strategic approach. As of September 30, 2025 , here’s how CPP Investments allocates its portfolio: Asset Class Allocation Public Equities 35% Private Equities 27% Government Bonds 15% Credit (e.g. corp bonds) 9% Infrastructure 8% Real Estate 6% This