The Smart Money Watch editorial team, led by founder Ary, writes guides and market news on stocks, ETFs, crypto, retirement accounts and personal finance for readers in the US, UK and Canada. We check every figure against official sources (IRS, SSA, HMRC, CRA, SEC and company filings), link our free calculators so readers can run their own numbers, and update guides when contribution limits, tax rules or rates change. Our content is for education only and is not financial advice. See our editorial policy at smwmarkets.com/editorial-policy/.
Nvidia fell after CEO Jensen Huang resigned, Corteva sank 24% on Brazil, Nebius and YETI dropped, and AEVEX and Fermi jumped. Today's biggest stock movers and why.
Free Canadian mortgage stress test calculator: see your qualifying rate, GDS and TDS limits, the most you can borrow and the home price you can afford.
Free CPP calculator: estimate your Canada Pension Plan retirement pension, compare starting at 60, 65 or 70 and see your break-even age. Based on 2026 CPP amounts.
Free FHSA calculator: see your First Home Savings Account room for 2026 and 2027, how much your down payment fund could grow and how much the deductions save you in tax.
A spousal RRSP lets the higher earner contribute and claim the deduction while the lower-income spouse withdraws in retirement. How it works, the 3-year attribution rule and when it still makes sense.
TFSA vs FHSA compared: limits, tax deductions, withdrawals and who qualifies. Why most first-time home buyers should fill the FHSA first, and when the TFSA wins.
How capital gains tax works in Canada: the 50% inclusion rate, how to calculate your tax, using capital losses, the principal residence exemption and how to pay less legally.
The 2027 CPP year's maximum pensionable earnings (YMPE) is $76,700 and the second ceiling (YAMPE) is $87,400, the CRA confirmed. What it means for your paycheque and your pension.
The 2027 RRSP dollar limit is $35,390, up from $33,810, the CRA confirmed. You need about $196,600 of 2026 earned income to get the full amount. How to find your own 2027 room.
The pattern day trader rule and its $25,000 minimum ended on June 4, 2026. What the old PDT rule was, what replaced it, and what it means for small accounts.