Plain-English guides to Canadian personal finance: choosing GICs and savings accounts, planning FIRE and Coast FIRE, and Canadian tax rules explained.
How to calculate adjusted cost base in Canada: the averaging rule for identical shares, reinvested distributions, return of capital, and a worked example.
How to Calculate Adjusted Cost Base (ACB) in Canada Read More »
Tax Guide · Capital Losses The Superficial Loss Rule in Canada: How the 30-Day Rule Works Selling a losing investment to claim the capital loss, then buying it back a few days later, is one of the oldest ideas in tax planning. Canada shut it down decades ago with the superficial loss rule. If you
The Superficial Loss Rule in Canada: How the 30-Day Rule Works Read More »
Tax Guide · Estates Capital Gains Tax on Inherited Property in Canada Most people searching this are worried about the wrong tax bill. If you inherited a house, a cottage, or a portfolio in Canada, you almost certainly do not owe capital gains tax on inheriting it. Canada has no inheritance tax. The tax is
Capital Gains Tax on Inherited Property in Canada Read More »
RRSP withholding tax for non-residents of Canada is 25%, not the 10-30% residents pay. When a treaty cuts it to 15%, and the lump-sum trap to avoid.
RRSP Withholding Tax for Non-Residents of Canada Read More »
Does home equity count toward your FIRE number? Why a primary residence does not, when it does, and how housing costs set your number via the 25x rule.
Does Home Equity Count Toward Your FIRE Number? Read More »
What return rate to use for FIRE projections: why recent bull-run returns mislead, real vs nominal, and the three-rate stress test to run instead.
What Return Rate Should You Use in Your FIRE Projections? Read More »
