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How to manage an emergency fund

An emergency fund is an amount of money that you have immediately available for large unexpected costs and/or unexpected periods of reduced income. Many folks consider emergency cash a vital piece of anybodies portfolio and while that may be true there is also a cost to consider! For a

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TFSA or RRSP or Unregistered Investing

Not everyone can max out their registered accounts every year but with record high savings rates during COVID Canadas average savings rate is between 5-15%, so which accounts should you prioritize? tldr;If any of the following apply you may want to prioritize your TFSA You are nervous about using

rrsp

Reduce fees on index funds

"All-in-one" index funds (AIO) have become extremely popular recently as they make it dead simple to have a globally diversified portfolio that matches your needs for an affordable price. But for those interested in working a little bit you can save thousands or even tens of thousands of dollars in

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What to do when you fill your RRSP and TFSA

So your have been a diligent Canadian and have worked hard and saved agressively to max out your registered accounts, now what do you do? 1. Unregistered investment accountStart an unregistered investment account which will allow you to continue to invest and take advantage of things like "Tax Loss Harvesting"