Canadian Investing Articles
Practical, no-fluff guides on ETFs, tax strategy, account types, and getting more from your money.
TFSA vs RRSP in 2026: Which Should You Max First?
The $64,000 question every Canadian investor faces. We break down exactly when the TFSA wins, when the RRSP wins, and why income matters more than anything else.
The Hidden Cost of Mutual Fund MERs (And How to Escape Them)
A 2% MER sounds small. Over 30 years on a $100K portfolio with $500/month contributions, it costs you over $400,000. Here's the math — and the fix.
FHSA 2026: The Best Tax Break Most Canadians Are Missing
The First Home Savings Account combines RRSP deductibility with TFSA tax-free withdrawals. If you plan to buy a home and haven't opened one, you're leaving free money on the table.
XEQT vs VEQT: Canada's Two Best ETFs Compared
Both are diversified all-equity ETFs with near-identical MERs. The differences are subtle — here's what actually matters when choosing between them.
How the CESG Turns Every $2,500 Into $3,000 (RESP Guide)
The Canada Education Savings Grant is an automatic 20% return on the first $2,500 you contribute to an RESP each year. Here's how to claim every dollar.
Wealthsimple Crypto: Is a 1.5% Spread Worth It?
We compare Wealthsimple's crypto fees against Canadian alternatives. The answer depends on how much you trade — and whether you value simplicity.
Capital Gains Tax Changes 2024–2026: What Changed and What Didn't
The 2024 federal budget introduced a 2/3 inclusion rate for gains over $250K. Here's what it means for Canadian investors — and the planning opportunities it creates.
The RRIF Withdrawal Strategy That Minimizes Lifetime Tax
Converting RRSP to RRIF isn't one-size-fits-all. The timing, withdrawal rate, and spousal election can save you tens of thousands in retirement taxes.
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