How to Rebalance Without Triggering Capital Gains in Canada
Rebalance inside your TFSA and RRSP first, where trades are tax-free. Then direct new money to underweight assets, harvest losses and avoid superficial losses.
Crypto and Bitcoin Explained: A Canadian Beginner’s Guide
Buy Bitcoin on CSA-registered platforms like Wealthsimple Crypto and Shakepay, fund by e-Transfer, and know the tax: a $1,500 gain adds $750 to taxable income.
What Is a Cashable GIC? Best Rates in Canada + How They Work (2026)
A cashable GIC lets you withdraw your money before maturity — usually after a 30-90 day lock-in — without any penalty. Unlike non-redeemable GICs, you keep your interest earned. Compare the best cashable GIC rates at RBC, EQ Bank, Oaken Financial, and more for 2026.
How RRIF Withdrawals Are Taxed in Canada: 2026 Guide
RRIF withholding is a flat 10/20/30% on amounts above your minimum: four $4,000 withdrawals withhold $1,600 versus $4,800 on one $16,000 withdrawal.
Private Alternatives Investing Canada: Is It Worth It in 2026?
A $100K private credit fund charging 1.5 and 15 nets $7,225 on a 10% return, versus $9,780 for an ETF at 0.22% MER. Why TFSAs and RRSPs still come first.
GIC Compounding Frequency Canada 2026
Monthly compounding beats annual, but by less than you think: $92 extra on a $25,000 five-year GIC at 3.70%, and $200 on $50,000 at 3.85%. Which banks do what.
Where to Invest 100K in Canada: The 4-Step Plan for Pre-Retirees
Max your $109,000 TFSA room first, then your RRSP ($33,810 in 2026) if you're in a high bracket. High mutual fund fees can cost $30,800 on $100K over 10 years.
What Is Compound Interest? How It Works in Canada
$5,000 at 7% for 30 years grows to over $38,000. Compare TFSA and RRSP compounding, a GIC ($19,942) vs an index fund ($54,274) over 25 years, and 5 mistakes.
Dividend Growth vs ETFs Canada: Which Builds More Wealth?
Dividend stocks yield 3.5-5.0% versus 1.8-2.2% for XEQT or VEQT but take 5-10 hours a month instead of under 1. A tax comparison and portfolio-building guide.
Hate Following the Stock Market? One Simple Fund to Protect Your Cash on Autopilot
VGRO, XGRO, VBAL, VEQT, XEQT compared: MERs under 0.25%, automatic rebalancing, zero maintenance. TFSA $7,000, RRSP $33,810 in 2026 (not $32,490 — that was 2025's limit). Start with $50/week, automate everything, and never check the market again.