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Increasing TFSA contributions `could be closely tied to politics' continued from p.27 working middle class, who form the largest part of the Canadian population. They will use the TFSA to save for their children's education, to purchase a house, plan for retirement and finally to pay for potentially expensive living accommodations in their final years, if they move into a retirement home. Some argue that the federal government is not financially strong enough to provide this extra tax-savings vehicle. Most Canadians feel that the government is not run efficiently and, therefore, can do more to improve their financial strength without restricting the ability of Canadians to save more on a tax-free basis. Those are some of the financial arguments and opinions that have surfaced since the Minister of Finance, Joe Oliver, suggested an increase to the TFSA annual contribution limit. My thoughts are that the timing of this contribution increase could be closely tied to politics. Excellent savings vehicle Canadians will likely go to the polls this coming October and the current Conservative government will use its power to offer Canadians advantages that hopefully will translate into votes. Generally speaking, during an election year, governments go to the voters bearing gifts. Increasing TFSA limits will be of significant benefit to many Canadians who might reward the government with their vote. Is that a bad thing? No, it's reality. Politics is politics, regardless of the party or leader. That is the way the system works. Our pending federal election has the potential for far more drama than normal. There is a political bombshell in the form of the Mike Duffy trial. Perhaps the political motivation is damage control. Disgraced Senator Mike Duffy is on trial facing 31 charges over his alleged falsifying of personal claims and misstating his place of personal residence for monetary gain. Some think the trial is actually more to do with the Prime Minister's Office and Harper. Could the timing of the TFSA increased contribution limits be motivated by politics? Of course it could. Politics aside, the financial issue is the TFSA. It is an excellent savings vehicle Canadians will benefit from through increased contribution limits. My vote is yes. Yes, the annual contribution limits on TFSAs should be doubled. It will help millions of Canadians. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner 31 | Thursday, April 16, 2015 | OAKVILLE BEAVER | www.insideHALTON.com Get in Bed Event! 79999 Save $800 4 DAYS ONLY! THURS. APR. 16 TO SUN. APR. 19 SAVE UP TO 60% SELECT BEAUTYREST, BEAUTYSLEEP, SEALY & SERTA MATTRESS SETS! 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