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Learn how accounts, cash flow and investing fit together, from choosing a TFSA or RRSP to deciding where your next dollar goes. Product comparisons and offer breakdowns support those decisions.
Explore where your next dollar could goLatest update
Starting in October 2026, Wealthsimple says it will report the account limit, statement-date balance, status and payment history monthly. The guide explains what that means for utilization and paying in full.
5 articles
How registered accounts differ, what to fund first, and when your timeline changes the answer.
Ask the receiving institution for a direct TFSA-to-TFSA transfer. Taking the money out yourself and putting it into another TFSA counts as a new contribution, even when you're only switching providers.
Read articleUse a TFSA when flexibility or a lower current tax rate matters most. An RRSP gets stronger when today's deduction is likely worth more than tax paid later.
Read articleFind the employer's exact formula, turn it into a payroll amount, and check RRSP room and cash flow before increasing the deduction.
Read articleFor an eligible first-home buyer, FHSA room usually deserves attention before extra non-matched RRSP contributions because a qualifying withdrawal has no repayment schedule.
Read articleA $2,500 annual RESP contribution can attract the usual $500 basic CESG. Catch-up can double that grant, but only when the household can afford the higher contribution.
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First-person articles about the fees, terms, and practical details that affected a decision.
October's Wealthsimple contest has one $1 million cash prize. Eligible new clients can also get a separate $25 referral bonus after $100 in qualifying funding. Simplii and Tangerine offer larger cash bonuses that require recurring deposits.
Read articleThere’s a nickname for people who pay their card in full and generate no purchase interest: deadbeats. Finally, an insult worth aspiring to.
Read articleQuestrade includes dual-currency accounts. Wealthsimple charges Core clients for USD accounts, but includes them with Premium and Generation. The better choice depends on how your U.S. dollars arrive and how often they move.
Read articleThe Visa Infinite+ earns 2% cash back on eligible purchases, charges no Wealthsimple foreign-transaction fee, and costs $240 a year unless you qualify for a waiver. I use it with the fee waived.
Read articleMoving direct deposit was less about chasing a rate and more about removing one transfer from my weekly money routine.
Read articleQuestrade let me hold USD in registered accounts when that mattered most. I reconsidered only after my investing pattern and Wealthsimple's USD support changed.
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Transfer promotions, currency-conversion costs, and the arithmetic behind the headline offer.
One $1 million cash prize, five kinds of physical prizes and credits for 19 Canadian online stores. Here's the full October lineup and how to enter.
Read articleMejuri's $598 necklace leads the physical prizes, followed by Monos luggage, a Province of Canada fleece, Matty Matheson's cookbook and a Ciele hat. Brand credits and the $1 million cash prize are separate awards.
Read articleOctober has four Thursday reveals. This page tracks the schedule and will only name a winner when there is a reliable public source. Your Wealthsimple app remains the place to check your own result.
Read articleOn Wealthsimple web, buy DLR in CAD, open DLR, choose Journal your shares, move the shares to DLR.U, wait about two business days, then sell DLR.U for USD. The journal request costs $9.95 CAD plus tax.
Read articleFor September 2026, the person referring gets the 100,000 referral entries. The friend signing up can earn their own registration and deposit entries. Both may qualify for a separate $25 cash bonus.
Read articleSeptember’s five condo prizes were at The Georgian in Cabbagetown, Concord Canada House in CityPlace, and KING Toronto on King Street West. Entries closed September 30; the final scheduled draw is October 1.
Read articleUse code EHJW9W or my referral link. If you're an eligible new Canadian client, fund at least $100 from outside Wealthsimple within 30 days and Wealthsimple pays you $25.
Read articleRegistration for the 2026 offer is closed. I used its five-year option because the accounts were already long-term money and the transfer made sense without the bonus.
Read articleA zero-commission trade can still trigger currency costs. Count every CAD-to-USD and USD-to-CAD conversion before comparing brokerages.
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