Ask MoneySense I was recently warned by someone in the financial sector to think twice about investing in bond ETFs right now because now’s not a great time to do that. However, what alternatives are there for that 40% [fixed-income] portion of my balanced portfolio? I thought about REIT ETFs, but read that they should … Read more

If you are relocating to Québec from another province or from overseas, it’s important to understand the province’s distinct tax landscape. Québec’s rules and programs differ from the rest of Canada in several key ways—from filing two tax returns to province-specific credits, payroll rules and sales taxes. This guide highlights the main tax issues to … Read more

Keeping track of bills, savings and investments can quickly feel like one more task on an already full plate. Automation can remove much of that burden. “Automating is the best step for staying on track with financial goals — whether you’re saving for a specific purchase, paying down debt, or simply keeping your cash flow … Read more

If you’re like most Canadians, your home is your largest financial asset. That can make it confusing when an appraiser’s valuation doesn’t match the price your real estate agent recommends or the amount a buyer offers. The difference comes down to two distinct measures: market price and appraised value. Though the terms may sound similar, … Read more

Canadian stock markets cooled slightly in the fourth quarter of 2025 but still ended the year with gains, led by a strong rally in the materials sector. Metals and mining names dominated the leaderboard among mid- and large-cap stocks, occupying nine of the top 10 spots, with Montreal-based fashion retailer Groupe Dynamite the lone exception. … Read more

Cashback credit cards let you earn a portion of your spending back as cash whenever you use the card. Some cards pay the same percentage on every purchase, while others offer higher rates in specific categories such as groceries, gas, or dining. A few cards even provide different rewards depending on where you shop. The … Read more

New year, new financial goals. Many of us begin January with good intentions, only to see progress slow as the weeks pass. One effective way to stay on course is to set regular financial check-ins. Experts recommend a combination of monthly, quarterly and annual reviews to help you track spending, protect your credit and refine … Read more

As 2025 winds down and dealerships make room for next year’s models, many buyers expect to find attractive deals on used cars. Before you visit a lot, it pays to be prepared: understand current used-car pricing trends, what influences advertised discounts, and how to evaluate whether an end-of-year sale is a real bargain. We spoke … Read more

The Alberta Child and Family Benefit (ACFB) is a provincial program delivered by the Canada Revenue Agency (CRA) for the Government of Alberta. It provides tax-free financial support to low- and middle-income families with children under 18. Eligible families receive regular payments throughout the year, usually paid at the same time as the Canada Child … Read more

The Canada Pension Plan (CPP) is a core part of retirement income for most Canadians. Whether you are approaching retirement or planning many years ahead, CPP will likely contribute to your monthly income. The amount you receive depends on your earnings history, how long you contributed to the plan, and the age at which you … Read more