Independent Canadian Money Publication
Pragmatic finance for the Canadian tax framework.
The Editorial Position
We reject aggressive mutual fund sales pitches and complex portfolios in favour of broad-market discipline and fee awareness.
Core Pillars
Three areas of disciplined focus.
Every essay is calibrated entirely around domestic systems and practical liquidity.
Pillar One
Pillar Two
Pillar Three
Banking Realities
Registered Accounts
Low-Fee Investing
Evaluating everyday chequing accounts, high-interest savings vehicles, and avoiding hidden institutional fees.
Optimizing contribution room across TFSAs and RRSPs to match your actual marginal tax bracket.
Constructing resilient portfolios through broad-market discipline and minimizing long-term fee drag.