Notes from a financial journey.
Backtests, personal-finance posts, and the occasional aside about what I'm learning. Educational, not advice.
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TFSA Contribution Room 2026: How It Works and How to Check
The 2026 TFSA limit is $7,000. How your contribution room works, how to check yours in CRA My Account, and the over-contribution trap to avoid.
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US ETF Withholding Tax in Canada: VFV vs VOO
How the 15% US withholding tax hits VFV vs VOO across your RRSP, TFSA and non-registered accounts, and where the CAD-hedged VSP actually fits.
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TQQQ-BIL Strategy: Does Leveraged Rotation Pay Off?
A plain-English look at the TQQQ-BIL rotation strategy, what a 10-year backtest shows about beating buy-and-hold, and a Canadian TQQQ.TO/CASH.TO experiment.
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Leveraged ETFs: Why 3x Doesn't Mean 3x Long Term
How leveraged ETFs work, the real risks (volatility decay, magnified losses), the benefits, and where 3x funds like TQQQ fit for US and Canadian investors.
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Should Canadians Invest When Markets Hit All-Time Highs?
XIU.TO, SPY, and QQQ all hit all-time highs this week. Should Canadians keep investing or wait for a dip? Here's what 75 years of data says.