Money

If you are searching for the best Canadian dividend ETF, four names tend to appear again and again: VDY, XEI, XDIV and CDZ. At first glance, they look almost interchangeable. Each fund owns Canadian dividend-paying companies. Each trades on the Toronto Stock Exchange. Each pays a monthly distribution. Put money in, wait a few weeks,…

The most dangerous feature may not be the trade button. It may be the feeling that something is always happening—and that you should do something about it. Finance app gamification rarely announces itself as a game. There may be no roulette wheel on the screen, no dealer asking you to place another bet. There is…

Why falling prices can coexist with a housing crisis Canada’s housing market can cool without Canada’s housing crisis ending. Home prices can fall while monthly payments remain unaffordable. Rental vacancies can rise while the least expensive units remain fiercely contested. Construction can accelerate while families struggle to find homes with enough bedrooms, near the places…

Climate risk and municipal bonds are becoming increasingly connected as disasters threaten property values, tax revenue, and essential infrastructure. Most people experience municipal finance as concrete. It is the storm drain at the end of the street, the school roof that does not leak, the pipe carrying clean water, or the seawall holding back the…

MONEY · BACKTEST · POSSIBLY TOO MUCH SPREADSHEET ENERGY I wanted to answer a very normal question: what happens if you take QQQ, give it roughly three times the daily exposure, and then hold on for dear life? Naturally, I responded by building a 26-year backtest. Because apparently this is what I do for fun…