What is a non-registered account and how does it work? + MORE Mar 4th

TSX getting you down? There are always sound investment alternatives.

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Two ways to lower risk in your investment portfolio with ETFs Nov 8th

With U.S. equity indices like the S&P 500 hitting all-time highs repeatedly this year, the investment atmosphere is charged, especially post the recent U.S. presidential election. The victory by Donald Trump has injected volatility into the markets, given the uncertainty of what his administrati.... More »

Should I cash my RRSP to pay off my mortgage? + MORE Jan 15th

Ask MoneySense Is it a good idea to pay off my mortgage with my RRSP money and then put what my mortgage payment was back into the RRSP once I’ve paid it off? What are the pros and cons of this strategy to being mortgage free? –Mike Pay off a mortgage or keep investing with RRSPs? Payi.... More »

How to invest in Canadian bank ETFs + MORE May 22nd

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Do you need market-neutral ETFs in your portfolio? Apr 23rd

In August 2025, I wrote about a concept that started gaining traction among financial advisors: the 40-30-30 portfolio. This allocation emerged in the aftermath of the 2022 bear market, when rising inflation and aggressive interest-rate hikes caused both stocks and bonds to decline at the same .... More »

Don’t get taken in by event ticket scams Jun 29th

At long last, the FIFA World Cup has kicked off in cities across North America. If you’re not fazed by single-ticket prices in the four figures, may we offer a word of caution: stalwart footy fans are not the only ones attracted to events like this. So are scam artists. Cyber-criminals lo.... More »

What is a non-registered account and how does it work?

– moneysense.ca

You could consider opening a non-registered account if you’ve reached the contribution limits of your registered accounts, like your registered retirement savings plan (RRSP) and tax-free savings account (TFSA). Unlike a registered account, a non-registered account doesn’t offer tax benefits, but it allows you to invest with fewer limits. And there’s a non-registered savings or investment account to suit every need—from the humble savings account to the supercharged margin account. Here’s everything you need to know about registered versus non-registered accounts.

What is a non-registered account?

A non-registered account is a savings or investment account that allows you to invest as much money as you want but does not provide any of the tax advantages of a registered account. For example, with a non-registered account, you don’t get the tax-free growth of TFSAs, nor the tax deductions and tax-deferred growth of RRSPs. Still, non-registered accounts are flexible—you can save or invest as much as you want, whenever you want, in a wide range of financial instruments, depending on the type of account you open…

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Where to get help if you’re struggling financially (and mentally)

– moneysense.ca

Has worrying about debt or paying your bills kept you up at night? You’re not alone. Nearly half of Canadians (48%) are so stressed about their finances that they are losing sleep over it, according to FP Canada’s Financial Stress Index. In February 2023, a Scotiabank poll found that Canadians spend an average of 15 hours per week worrying about their finances (that’s the time equivalent of a part-time job), up from 10 hours last year.

What impact could money stress have on your well-being? Twenty-nine per cent of Canadians who are dealing with financial troubles say they are experiencing high levels of anxiety, and 25% report high levels of depression, Mental Health Research Canada (MHRC) found in a poll conducted in the spring of 2023.

How does your financial wellness impact your mental wellness, and vice versa?

Challenges—like job layoffs, mounting personal debt and the inability to afford everyday essentials due to rising inflation—can be major stressors for anyone…

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