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Chart of gold futures prices, relevant to how gold is taxed differently across registered accounts.

Physical gold and silver bullion can be held inside a TFSA, RRSP, FHSA, RRIF, RESP or RDSP, but only at 99.5% purity and only while a trustee holds it on the client's behalf. Personal possession loses that registered shelter entirely, and any gain is then taxed as an ordinary capital gain outside the plan. Gold ETFs and mining stocks avoid the custody complication and remain eligible across every registered account type, which is why most registered-account gold exposure takes one of those two forms.

This chart is presented for general informational purposes only and does not constitute financial, investment, tax, or legal advice. Figures reflect the source and period indicated and may no longer be current.

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Bar chart of projected percentage cuts to Canada Pension Plan contributions and assets under the 9.5% rate versus 9.9%.

The Chief Actuary's June 2026 report cleared the lower contribution rate, finding that 9.5% still exceeds the minimum needed for 2028 to 2033.

Projected CPP Contributions and Assets Under the 9.5% Rate Versus 9.9%

October 6, 2026

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Bar chart of the annual Canada Pension Plan contribution saving for employees earning from $20,000 to $70,000 after the 2027 rate cut.

The base Canada Pension Plan contribution rate falls on January 1, 2027, with the employee and employer rates each dropping by 0.20 percentage points.

CPP Contribution Saving From the 2027 Rate Cut by Earnings Level

October 6, 2026

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Bar chart of the federal tax value of a $10,000 net capital loss across 2026 taxable income brackets.

A net capital loss offsets gains only at the capital gains inclusion rate, so its tax value rises with the bracket of the gain it shelters.

Federal Tax Value of a $10,000 Capital Loss by Income Bracket, 2026

September 29, 2026

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Chart comparing the best non-redeemable five-year GIC rates with the Government of Canada five-year bond yield in early October 2026.

Five-year GICs currently pay more than government bonds of the same term, but the premium ignores differences in liquidity because the certificates are non-redeemable.

Five-Year GIC Rates Versus the Government of Canada 5-Year Yield, September 30 to October 1, 2026

October 2, 2026

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Bar chart of the annual Tax-Free Savings Account contribution limit for each year from 2009 to 2026.

The annual Tax-Free Savings Account limit is set to rise to $7,500 in 2027, based on the Canada Revenue Agency's indexation formula and inflation data already published.

The 2027 TFSA Limit Is Already Locked In at $7,500

September 23, 2026

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Bar chart showing the TFSA annual contribution limit rising to a projected $7,500 in 2027.

Tax-Free Savings Account contribution room is projected to rise to $7,500 in 2027, a $500 increase and the first jump since 2024.

TFSA Room Is Set to Rise to $7,500 in 2027, the First Jump Since 2024

September 18, 2026

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Charts and data on this site are provided for general informational and educational purposes only and do not constitute financial, investment, tax, or legal advice. Each chart reflects the source and period indicated on it and may not represent current market conditions.

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