80% of fund managers lose to this one simple trick.
- SPIVA data proves that over 10 years, 80% of active Canadian fund managers underperform basic index funds β so stop paying someone to lose your money.
β 80%
- Max your TFSA first β in 2026 you can contribute up to $7,000 this year, with a cumulative room of $109,000, and every dollar of growth is completely tax-free.
β $109,000
- Then top up your RRSP β your 2026 contribution limit is $33,810, which slashes your taxable income and lets your investments compound sheltered from CRA.
β $33,810
- Buy just ONE fund β XGRO charges only 0.20% MER and gives you a globally diversified portfolio on autopilot; set up automatic contributions and literally never think about it again.
β 0.20%
Full lazy portfolio guide linked in bio.
π Want the full breakdown? Read the full guide on our blog:
https://getwealthy.blog/lazy-investment-strategy-canada-2026/
π getwealthy.blog
Written by
GetWealthy
CFPCIM17+ yrs · Big Five Bank · Vancouver, BC
Certified Financial Planner (CFP) and Chartered Investment Manager (CIM) with over 17 years of experience in Canadian personal finance. Spent 10+ years at one of Canada's Big Five banks, the last 7 focused exclusively on high-net-worth clients. Every guide is written with the same depth I bring to real client work β Canada-specific, CRA-verified, and always free.