Introduction When I first started learning about investing in Canada, one of the hardest steps was choosing where to open my first account. Every platform seemed to have its own fees, tools, and complicated terms. As a beginner, it felt overwhelming. Choosing the right online brokers can greatly influence your investing journey. Many of these … Read more
For parents in Canada, one of the smartest ways to prepare for your child’s future is through a Registered Education Savings Plan (RESP). It’s a government-supported account designed to help families save for post-secondary education. With grants, tax-deferred growth, and flexible contribution options, the RESP is one of the most powerful tools available. Here’s everything … Read more
A common misconception in Canada is that you need thousands of dollars to start investing. The truth? You can begin with as little as $100. With modern platforms, commission-free trading, and low-cost ETFs, even small amounts can grow into meaningful wealth over time. Here’s how to get started. Many Canadians are eager to start investing … Read more
Managing money can feel overwhelming—budgets, credit scores, taxes, investments, retirement plans. But once you break it down into simple steps, the path to financial stability becomes much clearer. This guide covers the core building blocks of personal finance so you can take control of your money and start building long-term wealth. Why Money Management Matters … Read more
If the last few years taught me anything, it’s this: life is volatile and cash is confidence. An emergency fund keeps surprises—job changes, medical bills, car repairs—from turning into high-interest debt. Here’s the simplest way to size yours and where to keep it in Canada. The Quick Answer Essential expenses = your baseline to stay … Read more
If you want market growth without babysitting your portfolio, the Couch Potato approach is the cleanest path I’ve found while studying Canadian investing. It’s a rules-based, low-fee strategy built on broad-market index ETFs—no stock picking, no hot takes. Just own the market, keep costs microscopic, and rebalance once in a while. What the Couch Potato … Read more
If you’re building an emergency fund, saving for a near-term goal, or parking cash while you wait to invest, you’ve probably narrowed it down to a GIC (Guaranteed Investment Certificate) or a HISA (High-Interest Savings Account). Both are low-risk and typically CDIC-eligible up to $100,000 per depositor, per category, per member (note: provincial credit unions … Read more
What is an RRSP? A Registered Retirement Savings Plan (RRSP) lets Canadians contribute pre-tax dollars, take a tax deduction, and grow investments tax-deferred until withdrawal. Contribution room equals 18% of last year’s earned income up to the annual dollar limit, reduced by any pension adjustment; unused room carries forward. For 2025 the RRSP dollar limit … Read more
Dividend investing in Canada is powerful because you can combine reliable cash flow with long-term growth—and do it inside TFSA/RRSP for tax advantages. Below are five TSX names with durable moats, disciplined capital allocation, and track records of paying (and often growing) dividends. This is educational, not personal advice; always check the latest filings and … Read more
Looking for rewards without paying an annual fee? Below are Canada’s strongest no-fee cards in 2025, organized by use-case. Features and promos change often, so always confirm details on the issuer’s site before you apply. Top Picks (Credit Cards) Credit Cards Best For Why it stands out Tangerine Money-Back Custom everyday categories 2% back in … Read more
