Precision Investment Hub
12 specialized calculators to project your portfolio growth, optimize tax accounts, analyze real estate, and forecast dividend income.
Investment Guides
Frequently Asked Questions
Should I max my TFSA or RRSP first?
Generally, if your current income is lower than what you expect in retirement, prioritize the TFSA (tax-free withdrawals). If you are in a high tax bracket now, the RRSP provides immediate tax relief through deductions. Many investors use RRSP refunds to fund their TFSA!
What are the Capital Gains Rules in 2026?
The inclusion rate for individuals remains 50% on all capital gains: the planned increase to 66.67% on gains over $250,000 was cancelled in March 2025. This makes tax-sheltered accounts (TFSA/RRSP/FHSA) more valuable than ever for high-net-worth investors.
Are dividends tax-free in Canada?
Not tax-free, but highly tax-advantaged in non-registered accounts! Using the Dividend Tax Credit, an investor with no other income can often earn over $50,000 in eligible Canadian dividends and pay almost zero federal tax.
What is Dollar-Cost Averaging?
Dollar-Cost Averaging (DCA), or Systematic Investing, means investing a fixed dollar amount regularly (e.g. $500/mo), regardless of market highs or lows. It eliminates the emotion of "timing the market" and lowers your average cost per share over time.