REITs: Real Estate Exposure Without Buying a Property
The last piece in this series — how to invest in real estate through the stock market, the difference from owning property directly, and what actually drives a REIT's return.
6 min read
Saving & Investing
Canada's registered accounts are genuinely useful once you understand them — the trouble is most explanations assume you already know how they work. Here's the newcomer-friendly version.
GICs, Treasury Bills, and Government Bonds: The Safer Side of Investing
Not every dollar belongs in the market. Here's how the three most common low-risk, fixed-income options actually work, and where each one fits.
7 min read
Stocks, ETFs, and Mutual Funds: The Three Ways Most People Actually Invest
Same broad goal — growing money in the market — three very different ways to do it. Here's what actually separates them, and how to think about which fits you.
6 min read
RRSP or TFSA: How Government Benefits Change the Math
The usual advice is 'compare your tax bracket now to retirement.' That's incomplete — income-tested benefits like the CCB, GST/HST credit, OAS, and GIS can flip the answer entirely.
11 min read
RRSP, RESP, and FHSA: What Each Account Is Actually For
Three registered accounts, three different jobs — retirement, a child's education, and a first home. Here's how to tell them apart and use them together.
6 min read
RRSP Catch-Up: Making the Most of Contribution Room You've Accumulated
RRSP room builds slowly in your first years in Canada. Here's how to use it well once you actually have some, and the moves that make the biggest difference.
6 min read
Investing Beyond Your TFSA: Non-Registered Accounts and ETFs Explained
Once your TFSA and RRSP room is used up, here's how non-registered investing actually works — the tax differences, and how to think about ETFs and advice at this stage.
6 min read
CPP and OAS When You Immigrated Partway Through Your Career
Arriving in Canada partway through your working life changes what you'll actually receive from CPP and OAS. Here's how each program works, and how to fill the gap.
6 min read
TFSA or RRSP: Which Should You Use First?
Two of the most useful accounts in Canadian personal finance, and neither works quite the way it sounds. Here's the difference, in plain terms.
6 min read