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Investing is a powerful tool for building wealth over time, but for beginners, it can also be a minefield of potential missteps. Understanding the most common pitfalls can help you avoid costly errors and start your investing journey on the right foot. Here are ten common mistakes new investors make—and how to avoid them. 1. […]

Choosing between a Registered Retirement Savings Plan (RRSP) and a Tax-Free Savings Account (TFSA) is a key decision for Canadian investors. Both offer tax advantages, but they serve different purposes. In 2025, understanding these differences is more important than ever. RRSP: Focused on Retirement SavingsContributions to an RRSP are tax-deductible, meaning they reduce your taxable […]

Environmental, Social, and Governance (ESG) investing has gained significant traction in Canada, reflecting a growing desire to align investments with values. But what exactly does ESG mean for investors in 2025, and what are the real opportunities and potential pitfalls? What is ESG Investing?ESG investing involves selecting companies or funds based on environmental responsibility, social […]

Many assume that portfolio diversification is only for the wealthy, but even with a modest budget, it’s possible—and important—to spread your risk. Here’s how small-budget investors can build a diversified portfolio in 2025. Why Diversification MattersDiversification helps manage risk by reducing your exposure to any one investment. If one stock or sector underperforms, gains in […]

Taxes play a crucial role in how much of your investment returns you actually keep. For Canadian investors, it’s important to understand how dividends and capital gains are taxed, especially when investing outside of tax-advantaged accounts. Dividends Capital Gains Tax-Efficient Strategies Final ThoughtsUnderstanding the tax treatment of different investment types can help you make smarter […]