Why “Buy Term and Invest the Difference” Fails High-Net Worth Canadians

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Are you still relying on “buy term and invest the difference”—without realizing it may be the wrong comparison for your actual wealth strategy?

Many high-income Canadians and incorporated business owners are unknowingly measuring permanent insurance against the wrong benchmark. The real issue isn’t whether market investments outperform a policy—it’s whether your risk-off capital is sitting idle, under-earning, and over-taxed. If you’re holding piles of cash, GICs, or fixed-income assets for safety, you may be missing out on a structure that protects liquidity, enhances tax efficiency, and strengthens long-term wealth planning. This episode reframes how to segment your capital, why traditional advice often falls flat for higher-net-worth households, and how the right structure can expand both stability and opportunity.

You’ll learn:

• Why “term vs. permanent” is the wrong comparison—and what fixed-income bucket permanent insurance truly replaces.
• How high-net-worth Canadians can access tax-exempt compounding, liquidity, and optionality unavailable in traditional fixed-income tools.
• The powerful estate and corporate tax advantages that can turn safe dollars into a far more efficient long-term wealth asset.

Press play to rethink your risk-off capital—and uncover a smarter, more flexible way to build and protect your wealth.

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Canadian Wealth Secrets Show Notes Page:

Consider reaching out to Kyle

• …taking a salary with a goal of stuffing RRSPs;
• …investing inside your corporation without a passive income tax minimization strategy;
• …letting a large sum of liquid assets sit in low interest earning savings accounts;
• …investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,
• …wondering whether your current corporate wealth management strategy is optimal for your specific situation.

Building long-term wealth in Canada requires more than earning a high income—it demands intentional capital gains planning, smart financial strategy, and a clear financial

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Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.