In this series An intro to couch potato portfolios Building a core couch potato portfolio Building an advanced couch potato portfolio Although the investment industry now offers a few different ways to construct a couch potato portfolio, they share a common foundation. All of them embrace the principles of passive investing, delivering broad exposure to … Read more

We know: it doesn’t sound glamorous. But buying a small, diversified selection of index funds, letting them grow, and checking in only once or twice a year to rebalance is a highly effective—and low-cost—way to manage your money. That simple, disciplined approach is the foundation of the “couch potato portfolio,” a strategy MoneySense has shown … Read more

Your group chat is buzzing with friends bragging about gains from a recent hot stock, and you feel left out because you don’t own it. With Bay Street and Wall Street reaching record levels and headline-grabbing rallies from companies such as Nvidia, it’s understandable that new and cautious investors feel tempted to jump in. Before … Read more

As a Certified Financial Planner (CFP), I often hear the same questions from Canadians trying to get a handle on their finances: How did I accumulate this debt? What’s the best way to pay it off? Debt comes in many forms—car loans, credit card balances, lines of credit, personal loans and mortgages—and each requires a … Read more

How much household income do you need to live comfortably in Canada? In June, MoneySense asked more than 9,000 Canadians this question in a web poll run with LEO, the market research panel of Leger Marketing. Of the five income choices offered, $100,000 was the most common response, selected by 37% of participants. A quarter … Read more

When newcomers arrive in Canada, they often bring strong financial habits, professional experience, and the ambition to build a better life. Yet one major obstacle frequently stands in the way: access to credit. A 2025 TD survey found that 92% of newcomers recognized the importance of establishing credit before arriving, but 82% of applicants immediately … Read more

Welcome to the Canadian Crypto Observer. Financial journalist and author Aditya Nain provides perspective on market-moving headlines to help Canadian investors navigate the cryptocurrency market. The market narrative for 2025 has centered on “hard assets” — notably gold and bitcoin (BTC), with bitcoin often described as “digital gold.” As monetary policy softened, many investors shifted … Read more

Here’s a round-up of news for Canadian investors this week. BMO Scotiabank RBC National Bank EQ Bank / EQB TD Bank CIBC Laurentian Bank Featured RRSP Accounts featuredEQ BankBuild retirement savings with a competitive interest rate, tax-deferred RRSP contributions and no account fees.go to site featuredRegistered GIC rateLock in a guaranteed rate in your RRSP … Read more

On the surface, banking with a credit union can look very similar to using a traditional bank. But there are important differences that can affect costs, convenience and the way your money is used. Credit unions offer many of the same services as commercial banks—chequing and savings accounts, mortgages, business loans, online and mobile banking, … Read more

Canadians are widely known to pay among the highest cellphone data rates in the world, and residents of British Columbia feel that reality keenly. Yet shopping around can yield large savings. The effective price per gigabyte (GB) of data in B.C. varies dramatically between plans: at the extreme high end, a Freedom Mobile 5G option … Read more