Investor-grade writing for Canadian income builders
Clear articles on DRIP mechanics, dividend tax, account placement, and income-planning math.
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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→Sell your home or keep it as a rental in Canada? How to run the numbers properly
Compare the monthly income tradeoff between keeping a home as a rental or selling and investing the net equity in Canada.
Read article→How to Live Off Dividends in Canada: Your 6-Year Plan
Complete roadmap to dividend income in Canada. Build $10K/year in 6 years. Real timelines, tax strategies, and portfolio examples.
Read article→The Fortress dividend portfolio: building a Coverage Ratio above 1.15 across all holdings
Learn what Fortress Status means in Prospyr’s income-first framework, why a Coverage Ratio above 1.15 matters, and how Canadian dividend investors can think about building more durable DRIP positions.
Read article→High yield vs yield trap in Canada: how to tell the difference before you buy
Learn how Canadian dividend investors can tell the difference between a genuine high yield and a yield trap before buying. Understand payout pressure, DRIP risk, and what to check first.
Read article→Growth vs dividend investing in Canada — 20 years of wealth building compared
Both strategies can build wealth over 20 years. But they deliver it in completely different forms. Here is how growth and dividend investing compare for Canadian investors — and when to switch.
Read article→24 and building wealth in Canada -- when to start thinking about dividend income
At 24, the math says growth beats income. That is correct. But the investors who transition smoothly to dividend income are the ones who understood how it works before they needed it. Here is the framework.
Read article→ETF investors -- dividend income as your exit strategy from growth
You built the ETF portfolio. Now you need a plan for what to do with it. Most ETF investors reach distribution age with no income sleeve and no transition strategy. Here is the math that changes the decision.
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