The RRSP Deadline Nobody Talks About
March 3rd matters, sure. But there's another date six months later that Canadian investors keep missing — and it's costing them compound growth they'll never recover.
Featured Analysis
When Market Noise Drowns Out Your Strategy
February 18, 2025
Every investor faces that moment. Markets drop 8% in two weeks, and suddenly your carefully built ten-year plan feels shaky. We sat down with portfolios that weathered the 2022 downturn — and the ones that didn't. The difference wasn't luck or timing. It came down to three decisions made years before the volatility hit.
Explore Our ApproachRecent Perspectives
Fresh thinking from our team about building wealth that lasts
Why Your Neighbour's Returns Don't Matter
Someone at work just bragged about 40% gains. Meanwhile, your balanced approach gained 11%. Before you change course, consider what happened to aggressive portfolios between 2000 and 2010.
The Real Cost of Waiting Until January
Most people start thinking about investing around New Year's. We pulled the numbers on what delaying from September to January actually costs over twenty years. The answer surprised even us.
Voices From the Field
Our team members share what they're seeing, learning, and rethinking as markets evolve
Ingrid Valkenburg
Senior Strategist
I've watched clients panic-sell during downturns for fifteen years now. The pattern never changes — fear overrides planning. But here's what does change: the ones who built emotional resilience into their strategy beforehand. They didn't feel braver. They just had frameworks that made sitting still feel like the smart move, not the scary one.
Published February 4, 2025
Petra Øvregaard
Portfolio Analyst
We're starting to see younger Canadian investors build portfolios that completely ignore tax efficiency. TFSA contributions sitting in cash. RRSPs holding bonds when they should hold equities. It's not complicated stuff, but nobody's explaining the thirty-year impact. These small structural mistakes compound just like interest does — except in the wrong direction.
Published January 21, 2025