Investing Literacy
Accounts & tax location
TFSA/RRSP/FHSA/taxable location for stocks and dividends — investor angle only.
HubHubTFSA for Stock Investors: What Changes vs ETF-Only Holders
What changes when Canadian DIY investors hold individual stocks inside a TFSA versus ETF-only holders: contribution room, trading behaviour risk, US withholding, and process hygiene.
Read guide →
SpokeAccount Location for Canadian Dividend Stocks
Where Canadian dividend stocks belong across a TFSA, RRSP and taxable account: eligible vs non-eligible dividends, the 38% gross-up and dividend tax credit, REIT and trust exceptions, benefit thresholds, DRIPs and stock-picker wrinkles. Educational, not tax advice.
Read guide →
SpokeAccount Location for US Dividend Stocks
Which US dividend stocks deserve RRSP room, which can sit in a TFSA, and what changes in a taxable account: yield-based ranking, the treaty exemption, W-8BEN, foreign tax credits, ADRs, interlisted Canadian names and T1135. Educational, not tax advice.
Read guide →
SpokeAdjusted Cost Base (ACB) Tracking for DIY Stock Portfolios
How to track adjusted cost base (ACB) for Canadian DIY stock portfolios: average cost for identical shares, commissions, DRIPs, return of capital, reinvested ETF distributions, US-dollar conversions, multiple brokers and a simple ledger. Worked hypothetical example. Educational, not tax advice.
Read guide →
SpokeSuperficial Loss Rule for Stock Swaps and Replacements
How Canada's superficial loss rule works for DIY stock pickers: the 61-day window, affiliated persons including your spouse, TFSA and RRSP repurchases, what counts as identical property, safe-ish swaps, DRIPs, T+1 settlement and how a denied loss changes ACB. Educational, not tax advice.
Read guide →
SpokeRisk of Business-Like Trading Inside a TFSA
When does active stock trading inside a TFSA become a taxable business? The CRA factors (frequency, holding period, knowledge, time spent), the 2024 Federal Court of Appeal decision, who pays, and a lower-risk TFSA routine for stock pickers. Educational, not tax advice.
Read guide →
SpokeCore-Satellite Portfolio Design for Canadian Accounts
How to place a core-satellite portfolio across a TFSA, RRSP, FHSA and taxable account: which bucket goes where, why the satellite cap is measured at the household level, US withholding tax, losses, time horizons and tax-efficient rebalancing. Educational, not advice.
Read guide →
