Investor-grade writing for Canadian income builders
Clear articles on DRIP mechanics, dividend tax, account placement, and income-planning math.
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Coverage Ratio Explained: The Canadian Dividend Framework Banks Don't Teach
The coverage ratio is the dividend safety metric banks don't want you to know. Learn the Fortress/Defended/At Risk/Broken framework.
Read article→Covered Call ETFs in Your TFSA: The Withholding Tax Problem Canadians Miss
Learn why covered call ETFs in TFSAs trigger 15% US withholding tax and how it impacts your yield. Calculator inside.
Read article→What Is a DRIP Buffer and Why Canadian Investors Need to Track It
Understand DRIP buffers: shares needed to cover the next dividend. Why tracking it prevents your DRIP from breaking.
Read article→DRIP Calculator Canada: How to Model Your Share Growth Cycle by Cycle
Model DRIP share growth cycle-by-cycle using the Prospyr DRIP calculator. See when buffers break and when you hit your income goals.
Read article→HDIV vs HYLD vs QYLD: Which Covered Call ETF Wins in a Canadian RRSP?
Compare HDIV, HYLD, and QYLD in your RRSP. No withholding tax, but which ETF delivers the best risk-adjusted return?
Read article→NAV Erosion in Canadian Covered Call ETFs: How Much Are You Actually Losing?
Covered call ETF NAV erosion: the silent loss. Learn how much you're giving up for yield in HDIV, HYLD, QYLD.
Read article→RDSP Grant Optimization: The Strategy CRA Doesn't Explain Clearly
RDSP grant optimization: maximize government matching on disability savings. Carry-forward rules and deadline strategies.
Read article→How much income does a $250,000 dividend portfolio generate in Canada?
See how much income a $250,000 Canadian dividend portfolio can generate across yield bands, account types, and reinvestment scenarios.
Read article→How much income does a $100,000 dividend portfolio generate in Canada?
Learn what a $100,000 Canadian dividend portfolio typically generates by yield, account type, and long-term DRIP compounding.
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