Canadian investing guides
Plain-language guides for Canadian investors on where a stock or ETF belongs and why: TFSA, RRSP, FHSA, and taxable accounts, contribution room, dividend taxes, foreign withholding, and the account-location decisions that quietly change your after-tax result. Every guide is educational, cites official sources, and pairs with the free Canadian stock screener.
Important: General education only. Not financial, tax, legal, accounting, or investment advice.
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Accounts
RESP investments and account location for Canadian parents
What you can hold, the CESG math, the timeline trap, foreign withholding inside an RESP, and what happens if school doesn't happen.
FHSA investments: what you can hold and how account location works
Qualified investments, foreign withholding, home-buying timelines, and how the FHSA differs from TFSA and RRSP thinking.
Day trading in a TFSA: CRA business-income risk
Why tax-free investing is not the same as running a tax-free trading business, and the factors that can raise risk.
Unused TFSA and RRSP contribution room: carry-forward by year
How backdated room stacks up, the limit for every year since 2009, and how to find your own number.
Taxes
Canada's superficial loss rule: the 61-day test for investors
When a stock or ETF loss is claimable, deferred after a spouse or DRIP purchase, or made unusable by a TFSA, RRSP, or FHSA replacement.
Foreign withholding tax: TFSA vs RRSP vs taxable
The core mechanism behind US dividends, treaty relief, foreign tax credits, and why the same dividend can land differently by account.
Eligible vs non-eligible dividends and the dividend tax credit
Why Canadian dividends, foreign dividends, and the dividend tax credit are taxed differently, and what that means for each account.
US dividend stocks in a TFSA vs RRSP for Canadians
The 15% US withholding catch that surprises people, and why the RRSP often deserves a closer look for US dividend payers.
ETFs and funds
VDY vs VFV: Canadian dividends or US large caps?
Compare a concentrated Canadian high-dividend strategy with US large-cap exposure by holdings, yield, fees, currency, tax treatment, and account fit.
VUN vs VFV: total US market or S&P 500?
Compare total-market and large-cap US exposure by holdings, concentration, fees, currency, withholding tax, and Canadian account fit.
ZSP vs VFV: fees, holdings and account fit
Compare two Canadian-listed S&P 500 ETFs by current fees, implementation, currency exposure, withholding tax, and the practical differences that matter.
XGRO vs XEQT: 80/20 or 100% equity?
Compare nearly identical regional equity mixes with one decisive difference: XGRO's 20% fixed-income target versus XEQT's all-equity allocation.
XEQT vs VFV: global equity or S&P 500?
Compare a global all-equity portfolio with concentrated US large-cap exposure, including home bias, currency, fees, and Canadian account fit.
VEQT vs XEQT: fees, allocation and account location
Compare the two global all-equity portfolios by current fees, regional allocation, home bias, rebalancing, and Canadian account type.
ETF distributions and adjusted cost base in Canada
How cash distributions, DRIPs, phantom distributions, return of capital, and T3 slips fit into a taxable-account ACB ledger.
VFV vs VOO vs XEQT vs QQQ: which account?
Compare exposure, current fees, currency, withholding tax, and TFSA versus RRSP considerations for four widely searched ETFs.
Canadian-listed vs US-listed ETFs in a TFSA and RRSP
Same exposure, different wrapper, different withholding tax. Why the listing matters more than the holdings.
REITs in a TFSA, RRSP, or taxable account
REIT distributions are not simple eligible dividends. How return of capital and foreign income change the account read.
How-to and news
Wealthsimple prediction markets: what they are and the TFSA/RRSP catch
How event contracts work, why they likely can't go in a registered account, the risks, and whether the banks follow.
Norbert's Gambit: convert CAD to USD cheaply
How DLR and DLR.U work, what costs remain, and what to watch before buying US-listed ETFs or stocks.
Reference
Put a guide into practice
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