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Explanations, at length.
Written for someone who has never held a fund, with no jargon left undefined — anything unfamiliar is in the glossary.
A guide to dividend investing in Canada
Where the money comes from, what you can realistically expect, why the highest yield is usually the worst one, and which account each holding belongs in. The whole subject in one pass.
How dividends are taxed in Canada
A dividend is not one kind of income. The same payment can arrive as four different things, each taxed on its own path, and the account you hold it in decides which of those paths applies.
TFSA vs RRSP for dividends
The two accounts shelter income in opposite directions, and dividends interact with each one differently. Which holding goes where is decidable, and getting it backwards has a running annual cost.
What actually happens when you receive your first dividend
Three dates decide whether you get paid, the share price drops the morning you qualify, and the amount that lands is rarely the one you calculated. None of that is a mistake.
Monthly vs quarterly dividends — does the schedule matter?
Paid twelve times a year instead of four sounds meaningfully better. The compounding advantage is real, and it is far smaller than most people assume. What the schedule signals matters more.
What is a covered call ETF, and where does the yield come from?
Double-digit yields on blue-chip holdings look like something for nothing. The fund is selling away its upside for cash, and the trade has a specific shape — good in some markets, quietly costly in others.
Living off dividends in Canada — what the number actually has to be
The capital required is larger than a yield calculation suggests, because the income has to survive inflation and tax as well as arrive. Here is the arithmetic, and the failure mode that catches people.
Should I borrow to max out my TFSA?
Borrowing at 4.45% to collect 6% inside a tax-free account looks like a clean spread. One rule removes most of the advantage, and three others decide whether what is left is worth the risk.