The Bank of Canada (BoC) cut its policy interest rate to 2.25% on October 29, 2025  and this decision is quite expected as everyone waits to see the full economic impact of the ongoing tariff/trade wars such as inflation, loss of jobs, reduced consumer spending (& GDP) and declining company revenues. As shown above, some analysts believe that we may be approaching the end of the rate cutting era. The analysis suggests that while rate relief may still occur, the magnitude and

Choosing between operating your business as a sole proprietorship or incorporating it as a corporation is a pivotal decision that affects taxes, liability, and growth potential. Both structures have pros and cons, particularly when you compare tax implications for owners in Canada. Tax Differences at a Glance Here’s a clear, numbers-driven look at when each shines—for example, let's consider Manitoba residents earning around $100k. In a sole proprietorship, all business incom

If there’s one piece of investment advice that has survived generations, it’s the “100 minus your age” rule. It’s simple, memorable, and surprisingly intuitive—subtract your age from 100 to find the percentage of your portfolio that should be invested in equity investments (e.g. stocks, ETFs). The rest goes into safer, fixed-income investments like bonds or GICs. So, if you’re 30 years old, this rule suggests holding 70% equity and 30% fixed-income. At 60, that shifts to a ba