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Why Rental Properties Work for Retirement
Real estate provides:
- Monthly income
- Long-term appreciation
- Mortgage paydown by tenants
- Inflation protection
- Tax advantages
Unlike market-based investments, rental income is not tied to daily stock volatility.
What Makes a Strong Retirement Rental
The ideal retirement-focused property:
- Is in a stable neighbourhood
- Attracts long-term tenants
- Has low maintenance
- Produces reliable cash flow
- Has strong resale appeal
Personal vs Corporate Structure for Retirement
Some pre-retirement investors:
- Use corporations to accumulate assets tax-efficiently
- Then gradually shift income personally in retirement to reduce taxes
Others hold assets personally for:
- Simpler financing
- Easier estate planning
- Access to capital gains exemptions strategies
Your accountant should always be involved in this planning early.
The Importance of Exit Strategy
Every investor should ask:
- When will I refinance?
- When will I sell?
- Who will inherit my assets?
- How will I minimize estate taxes?
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