Dear MoneyReadyApp users,

We've implemented several user suggestions:
1. Currency Investments. For those who trade currencies, or just need an additional cash investment in an account, we added Currency investments.
2. Copy/Merge Accounts feature. You can select accounts to copy all of their investments into one MOCK account. This would mostly be used with our rebalancing tool to get a current rebalancing recommendation over multiple accounts.
3. Ignore OAS and CPP/QPP. Whether you don't believe these programs will exist in the future, or you want to see what your plan would look like without them, or you simply don't want to deal with the CPP earnings table, you can now just click a checkbox (in the CPP/QPP and OAS tab) to ignore OAS, GIS, CPP, QPP, disability pensions, and survivor benefits for both spouses in the TIME MACHINE. Don't use this, though, if you have a free account with us as a low-income senior who is or will be collecting GIS.
4. Partial RRSP to RRIF conversions. Any withdrawals from RRSPs when 65 or older are considered to qualify as pension income eligible for the pension tax credit and income splitting in the TIME MACHINE. Essentially we are assuming the paperwork for the partial conversion to an RRIF will be done for the withdrawal amount if the account wasn't already converted. You can set up an AUTOMATIC Withdrawal on the account beginning Jan 1 of the year you turn 65 to take advantage of the tax breaks.
5. Partial LIRA to LIF conversions. We now allow withdrawals from LIRAs from age 65, assuming that the withdrawal will be considered a partial LIF conversion. This way the withdrawal will qualify as pension income eligible for the pension tax credit and income splitting in the TIME MACHINE. Again, you can set up an AUTOMATIC Withdrawal on the account to take advantage of the tax breaks. A maximum withdrawal amount will be enforced as if a LIF in the TIME MACHINE.

More information on these features is available in the appropriate "Help for this page" and in the eBook.

I want to thank the users for their suggestions. Your feedback is awesome, keep it coming!
You know that I listen and that I answer all of your questions, comments and suggestions, so please do not hesitate to contact me.

Elisabeth Tillier, Ph.D
Head of Money-Ready