Account Efficiency
Place high-growth equity in tax-free accounts (TFSA / Roth) and interest-bearing bonds in tax-deferred or sheltered accounts.
Module 16 · Applied Decision Framework
Tax-Optimized Rebalancing
Keep your portfolio risk aligned with your goals. Master asset location (matching asset types to account tax rules) and rebalancing bands.
Strategy
Rebalancing without unnecessary friction.
Rebalancing restores your target risk level after market movements push stocks or bonds out of proportion.
Threshold vs. Time
Rebalance when an asset class drifts by 5% or on a fixed annual schedule to avoid over-trading.
Cash-Flow Rebalancing
Direct new savings into underweight asset classes to rebalance naturally without selling and triggering capital gains.