Archive

Everything here.

68 pages, generated from the same sources that build them — so nothing that exists can be missing from this list.

News

Dated events, newest first · 11

• National Bank pays increased dividend of $1.32 a share Aug 1, 2026
• Bank of Canada holds policy rate at 2.25% for a sixth consecutive decision Jul 15, 2026
• Royal Bank raises dividend 7% as four banks lift payouts May 28, 2026
• Lowest federal personal income tax rate falls to 14% Jan 1, 2026
• RRSP limit rises to $33,810 for 2026; TFSA holds at $7,000 Jan 1, 2026
• CIBC raises quarterly dividend 10 cents to $1.07 Dec 4, 2025
• Government cancels the capital gains inclusion rate increase Mar 21, 2025
• Budget 2024 proposes raising the capital gains inclusion rate Jun 25, 2024
• Bank of Canada begins cutting, first reduction since 2020 Jun 6, 2024
• TFSA limit rises to $6,500, then $7,000 Jan 1, 2024
• First Home Savings Account opens to Canadians Apr 1, 2023

Learn

Guides, in reading order · 17

• A guide to dividend investing in Canada
• How dividends are taxed in Canada
• TFSA vs RRSP for dividends
• What actually happens when you receive your first dividend
• Monthly vs quarterly dividends — does the schedule matter?
• What is a covered call ETF, and where does the yield come from?
• Living off dividends in Canada — what the number actually has to be
• RRIF minimum withdrawals — the schedule you cannot opt out of
• The OAS clawback, and why dividends trip it early
• Which account to draw down first
• Foreign withholding tax beyond the US
• Should I borrow to max out my TFSA?
• T3 and T5 slips — which you get, and when
• The superficial loss rule
• How DRIPs actually work in Canada
• Where eligible and non-eligible dividends come from
• The FHSA — the account that does both things

Blog

Questions, newest first · 8

• My broker's book value doesn't match my adjusted cost base Aug 21, 2026
• Does a Canadian-listed S&P 500 fund escape US withholding tax? Aug 21, 2026
• Is a 15% yield too good to be true? Aug 21, 2026
• March 2020 — three rate cuts in 23 days Aug 21, 2026
• I filed my taxes and then a T3 showed up Aug 21, 2026
• The year the TFSA limit was $10,000 — and then wasn't Aug 21, 2026
• What the 2022–2023 rate cycle did to borrowed dividend strategies Aug 21, 2026
• Why did my ETF pay less this month? Aug 21, 2026

Tools

Calculators, all client-side · 11

• Dividend tax calculator By province
• Account placement Compare accounts
• Foreign withholding Recoverable?
• OAS clawback Retirement
• RRIF minimum withdrawal Retirement
• Monthly income Cash flow
• The formula After tax
• Compounding calculator Reinvestment
• Loan spread calculator After tax
• TFSA contribution room No account needed
• Cost base calculator No account needed

Tax

13 jurisdictions · 16

• All jurisdictions compared
• What $10,000 actually keeps worked example
• Rates as JSON machine-readable
• Alberta
• British Columbia
• Manitoba
• New Brunswick
• Newfoundland and Labrador
• Nova Scotia
• Northwest Territories
• Nunavut
• Ontario
• Prince Edward Island
• Quebec
• Saskatchewan
• Yukon

Reference

Definitions and provenance · 5

• Glossary — 38 terms
• Disclaimer and data provenance
• Privacy
• Terms
• llms.txt for language models