Canadian investors paid an average of 1.98% annually on equity mutual funds last year — nearly four times the global average of 0.50%. That gap alone explains a lot about why more people are moving away from stock picking and toward low-cost index funds. Here’s what you actually need to know. Disclosure: Some links on this page are affiliate links.
The Bank of Canada started cutting rates in June 2024, and the one-year GIC rate has since dropped from above 5% to roughly 2.62%. Yet Canadian households still held roughly $497-billion in GICs through 2022 to 2024, and that number hasn’t budged much since the cuts began. Here’s what you actually need to know. Disclosure: Some links on this page
Fewer than 20% of Canadian investors could name all the fees on their investment statements, according to a survey by the Mutual Fund Dealers Association of Canada. That figure isn’t a reflection of effort — it’s a design feature. Fee structures are layered, deducted at source, buried in fund documents, and rarely shown as a single dollar figure. The real
A 2024 TD Bank survey found that 68 per cent of Gen Z Canadians invest consistently each year — the highest rate of any age group in the country. That number has climbed fast enough that it’s not a blip. It’s a real shift in how young people think about money, and it’s being driven largely by content they find
The Canadian real estate market is in the middle of a transition that’s reshaping how investors think about property as a retirement vehicle. PwC Canada and the Urban Land Institute’s Emerging Trends in Real Estate 2026 report describes a sector where traditional assumptions about buy-and-hold no longer hold as reliably as they once did. Here’s what you actually need to
Close to half a trillion dollars in Canadian savings flowed into Guaranteed Investment Certificates between 2022 and 2024, and the pace hasn’t slowed. In the first half of this year alone, another $7 billion in net new money landed in GICs, according to ISS Market Intelligence data. Here’s what you actually need to know. Disclosure: Some links on this page
Between 0.25% and 2% — that’s the gap between what you’d pay a typical robo-advisor and a human advisor in Canada each year. On a $50,000 portfolio, the difference works out to roughly $875 annually. Over 20 years, that compounds into tens of thousands of dollars. But cost isn’t the only reason Canadians are rethinking who — or what —
Picture this: you have a portfolio worth $500,000 built up over years of contributions. The market drops, you sell in a panic, and you wait for things to feel safe before reinvesting. Based on what happened after the March 2020 COVID crash, you would have missed a 68% recovery in the following 12 months. On that half-million-dollar account, that works
Okay, let’s talk about something that can feel a bit… fuzzy when you’re thinking about putting your money to work: risk tolerance. It’s basically about how much of a potential dip in your investments you can stomach without losing sleep. Some people are naturally more skittish than others, and that’s perfectly fine. Understanding where you land on this spectrum is
Want to retire comfortably in Canada without spending all your time glued to stock charts? You’re in the right place. This guide will show you how to build a solid retirement fund with a lazy, hands-off approach, perfect for Canadians who want to enjoy life now while securing their future. It’s all about simple strategies, smart choices, and letting time
Canadian tech has been quietly reshaping how money moves in the startup world. In 2025, investors poured roughly 8 billion CAD into 571 deals, with average rounds exceeding 14 million CAD and Q4 being the strongest quarter since 2013. That kind of capital doesn’t appear by accident — it signals that institutional money sees something worth backing. For anyone watching
Investing in sustainable Canadian companies is a smart way to grow your money while also helping the environment and supporting businesses that care about more than just profits. As we look ahead to 2025, focusing on companies committed to environmental, social, and governance (ESG) principles can future-proof your finances and contribute to a better world. Understanding Sustainable Investing Sustainable investing,
