KNOWLEDGE CENTRE

The First Home Savings Account (FHSA) was first introduced to the Canadian public on April 1, 2023 – aimed towards helping non-homeowners save for their first home purchase. It combines the best features of an RRSP (tax-deductible contributions) and a TFSA (tax-free growth and withdrawals), making it one of the most powerful

When reviewing portfolio performance, investors often encounter two different return figures: Time Weighted Return and Money Weighted Return. These metrics can tell different stories about how an account has performed over time — because each answers a different question. In this article, we will explore the key differences between time weighted vs

Pay Down Debt or Invest Calculator Many Canadians who secured low mortgage rates during the pandemic are now facing higher monthly payments, as they renew at current elevated mortgage rates. At the same time, with the Bank of Canada reducing short-term rates, the previous environment of appealing low-risk returns — such as

What are Preferred Shares? Companies raise capital primarily through common equity offerings (stocks) and debt offerings (bonds). Preferred share offerings, however, provide companies with another source of financing with characteristics of both equity and debt. Similar to stocks, preferred shares represent ownership in a company, with coupons like that of bonds. Where

When evaluating an investment fund or certain securities, the distribution yield is a metric for investors seeking to understand the return potential they can expect from their investment. It provides insight into the cash generating potential of a fund, including its dividends, interest income, and other distributions. In this article, we will

What are Distributions? When you invest in certain funds, whether it’s a mutual fund, exchange-traded fund (ETF), pooled fund, or another type of collective investment vehicle, you may encounter the term “distributions.” These distributions represent the cash that a fund returns to its investors from the earnings generated by the underlying assets.