Investing
Start investing with confidence. Learn which accounts to use, what to invest in, and how to keep fees low.
Investing in Canada is simpler than most people think. The key decisions — which account, which investments, and which provider — are all knowable. And getting them right early compounds for decades.
Start Here: The Priority Order
If you're new to investing, follow this sequence:
- Build a basic emergency fund ($500–$1,000 minimum)
- Pay off high-interest debt (anything above ~10% APR)
- Max out your TFSA — tax-free growth, flexible withdrawals
- Then your RRSP — tax-deferred, best when your income is high
- Then your FHSA (if buying a home) — $8,000/yr, tax-deductible contributions, tax-free withdrawals
Featured Guides
TFSA vs RRSP vs FHSA
The definitive guide to Canada's three tax-advantaged accounts. Contribution limits, tax treatment, and which to fund first.
Beginner Investing in Canada
Coming soon: from opening your first account to building a diversified portfolio with ETFs.
Best TFSA Accounts in Canada
Coming soon: compare self-directed brokerage accounts, robo-advisors, and managed TFSAs.
Index Funds vs ETFs in Canada
Coming soon: what's the difference, which is cheaper, and which belongs in your portfolio.
Key Principles
- Fees compound too — a 2% MER vs 0.2% might not sound like much, but over 30 years it can eat 30-40% of your returns
- Time in the market beats timing the market — start early, invest regularly, ignore the noise
- Diversification is free — a single all-in-one ETF like VBAL or XGRO gives you thousands of stocks and bonds globally
- Canadian dividend tax credit — dividends from Canadian companies are taxed more favorably than foreign dividends
More Resources
- TFSA vs RRSP vs FHSA → — Full breakdown of contribution room, tax treatment, and priority
- Start Here → — The complete financial roadmap