As of October 21, 2026. The short answer: Your RRSP has a hard expiry date. By December 31 of the year you turn 71, it must be withdrawn, moved to a RRIF, or used to buy an annuity. Most people pick the RRIF. From the year after the RRIF opens, you must withdraw a minimum … Read more
As of October 21, 2026. The verdict: Up to $600 in cashback is real, but plan on $300 to $400. The last $200 is two separate $100 pieces, and you need both: one for $5,000 in a savings account opened within 15 days, with the balance never dipping until day 120, and one for payments … Read more
As of October 21, 2026. The verdict: If you’re eligible, open a First Home Savings Account (FHSA) before Dec 31, 2026 (71 days left). Opening in 2026 gives you $8,000 of contribution room for 2026. Opening in January 2027 gives you none for 2026 — and you reach the $40,000 lifetime limit a full year … Read more
As of October 20, 2026. The Bank of Canada decides on October 28. The policy rate sits at 2.25% today, and chartered-bank prime sits at 4.45%. A hike on October 28 does not raise the payment on a standard Canadian variable mortgage — its payment is fixed, and the hike lands on how much of … Read more
As of October 20, 2026. Five banks are running promo rates on savings right now. The headline rates say BMO wins. The dollars say otherwise. This board ranks all five by what you actually earn on $10,000 and $50,000 over each promo window — and shows the rate your money falls to the day the … Read more
As of October 20, 2026. The verdict: $200 for parking $10,000 is the strongest tier in this offer — 2.00% of your deposit, a 6.08% effective annualized return on the bonus alone over the ~120-day commitment. The $5,000 headline takes a $500,000 deposit and pays 1.00% (TD’s savings offer page). Who this is for: You … Read more
Yields on cash ETFs move every month — every yield in this guide is shown with its date. Recheck before you buy. The verdict: There is no single Canadian SGOV. There are three families of cash ETFs, and the right one depends on your account type and your tax situation — not on the yield … Read more
The verdict: One bank signup can pay four ways — the bank’s own welcome bonus, a rebate-site payout for clicking through the right link, a referral bonus for arriving through a friend’s link, and the promo rate your deposit earns while it sits there. Stack all four and a single free account can be worth … Read more
As of October 3, 2026. One thing to flag: CIBC’s headline offer page is current, but its detailed offer T&Cs (the document carrying the 5-year exclusion, the 1-year direct-deposit and pre-authorized-debit continuation rule, and the payout date) sit behind footnote dialogs not fetchable from cibc.com today — those CIBC fine-print claims are carried over from … Read more
As of: October 3, 2026 Offer ends: November 1, 2026 — 29 days left The verdict: The issuer offer is a clean, no-tricks $420 in year one — $300 cash back (15% on your first $2,000 in 3 months) plus a waived $120 annual fee. Then year two charges you $120, and this card only … Read more