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Synthetic identity fraud: The scam that’s fooling lenders + MORE Sep 4th
To steal your identity, criminals have to get their hands on a lot of your private information: name, birthdate, address, Social Insurance Number (SIN), and more. That’s not easy to do, even when the target takes few precautions or has a habit of oversharing.
But an increasingly common form of .... More »
The best GIC rates in Canada for 2026 May 26th
GIC comparison tool
Find the best and most up-to-date GIC rates in Canada using the comparison tool below. Plus, use the filters to assess your estimated rate of return based on the size of your balance.
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MoneySense is an award-winning magazine, helping Canadians navigate m.... More »
Summer camp sticker shock is real—here’s how to stay on budget May 16th
By the time the end of the school year nears, many parents have already spent months planning where to stick their kids for the summer. “It really is January, February, when you have to start thinking about it,,” says Erin Bury, mom to a toddler and kindergartner in Wellington, Ont. “It’.... More »
Canadian among researchers to discover dinosaurs nested further south than previously known - The Globe and Mail + MORE Sep 8th
Canadian among researchers to discover dinosaurs nested further south than previously known The Globe and Mail.... More »
How do you take RDSP withdrawals? + MORE Jun 12th
Registered disability savings plans (RDSPs) were created in the 2007 federal budget, and the first accounts were opened in December 2008. It took a while for financial institutions to offer them and, even now, you cannot open RDSPs everywhere.
Most Canadians with RDSPs have only ever deposi.... More »
Do you need market-neutral ETFs in your portfolio?
– moneysense.ca
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 time. That challenged the traditional balanced portfolio and pushed advisors to look for alternatives.
The idea is to reduce exposure to stocks and bonds and allocate a larger portion to alternative assets. Those alternatives can take many forms. Some investors turn to hard assets or digital stores of value like gold or cryptocurrencies. Others look at private markets, including private equity, private credit, and real estate.
Then there is a third category that tends to get less attention but is increasingly accessible: hedge fund-like alternative or market-neutral strategies designed to generate returns with low correlation to traditional assets.
Since early 2019, regulatory changes in Canada have expanded access to liquid alternatives in both mutual fund and ETF format…
