Investing
Everything you need to know about investing in Ontario — in plain English.
Asset Allocation by Age: A Framework for Canadians
Asset allocation by age for Canadian investors: how your mix of stocks and bonds can shift as your time horizon changes, and why age is only one input.
Alternative Investments in Canada: What They Are, Who For
Alternative investments in Canada explained: what qualifies as an alternative, how they differ from stocks and bonds, and key considerations for HNW portfolios.
How Bonds Work and Their Role in a Portfolio
A plain-English guide to how bonds work, the main types available to Canadian investors, and why they still belong in a diversified portfolio.
Active vs. Passive Investing: Comparing the Philosophies
Active vs. passive investing compared: how the two philosophies differ in approach, cost, and consistency, and how Canadian investors can choose a fit.
Investing Inside a Corporation: What Owners Should Know
How corporate investment accounts work in Canada, including the passive-income rules and tax considerations every incorporated business owner should know.
Diversification Explained: Why It Matters and How It Works
Diversification explained: how spreading investments actually reduces risk, why it's more than owning many things, and how it works across a whole portfolio.
Dividend Investing in Canada: The Tax Credit and Trade-Offs
Dividend investing in Canada explained: how dividends and the dividend tax credit work, and the pros and cons versus a total-return approach.
Dollar-Cost Averaging vs. Lump Sum Investing: Which Fits?
Dollar-cost averaging vs. lump sum investing compared: the trade-offs of investing gradually versus all at once, and which approach suits your situation.
ETFs vs. Mutual Funds in Canada: Cost, Structure, and Use
A clear comparison of ETFs and mutual funds for Canadian investors, covering cost, structure, trading, and how each tends to fit a real portfolio.
Foreign Withholding Tax in Canada: Reducing the Drag
How foreign withholding tax on dividends works for Canadian investors, and how account location can reduce or eliminate the drag on your returns.
GICs vs. Bonds vs. HISAs: Comparing Safe Options for Cash
How GICs, bonds, and high-interest savings accounts compare for Canadians holding cash and fixed income, covering access, risk, and tax treatment.
How Much Should I Have Invested By Age? A Framework
A general framework for how your investing priorities shift by life stage in Canada, and why your own retirement number beats one-size-fits-all benchmarks.
How to Invest $1 Million: A Framework for a Portfolio
A general framework for structuring a million-dollar portfolio in Canada, covering allocation, account coordination, tax efficiency, and risk.
How to Invest $500,000: A Framework, Not a Product List
A general framework for thinking through a half-million-dollar portfolio in Canada, covering structure, allocation, tax efficiency, and deployment.
In-Kind Transfers Explained: Moving Investments Without Selling
What an in-kind transfer is, how it differs from selling and repurchasing, and when it helps Canadian investors moving accounts or institutions.
Investing a Lump Sum: How to Deploy a Large Amount
A clear framework for investing a lump sum in Canada, from an inheritance to business sale proceeds, so you deploy it thoughtfully rather than on impulse.
Investing Considerations for High-Net-Worth Canadians
How investing priorities shift for substantial portfolios in Canada, spanning tax coordination, estate and probate planning, liquidity, and risk control.
Investment Fees and MERs Explained — Why They Matter
What a management expense ratio (MER) actually covers, what other investment fees exist, and why small annual differences compound into large sums over time.
Market Volatility: What to Do When Markets Get Rough
How to stay disciplined during market volatility in Canada, why reacting emotionally to a downturn usually costs more than the downturn, and what to review.
How Non-Registered Investment Accounts Are Taxed in Canada
A general guide to how interest, dividends, and capital gains are taxed in a Canadian non-registered investment account, and how to hold them efficiently.
Rebalancing Your Portfolio: What It Is and Why It Matters
What portfolio rebalancing means, why it keeps your risk level in check, how often Canadian investors typically rebalance, and the tax points to watch.
Responsible and ESG Investing in Canada: An Overview
How responsible and ESG investing works in Canada, the main approaches available, and how to decide whether it fits your goals, values and portfolio.
Risk Tolerance Explained: Tolerance vs. Capacity vs. Need
Why risk tolerance, risk capacity and risk need are three different things, and why confusing them can lead to a poorly built portfolio and avoidable mistakes.
Tax-Efficient Investing in Canada: Why Location Matters
How asset location and account choice affect the tax you pay on Canadian investment income, plus simple ideas for keeping more of your after-tax return.
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