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Plain-language explainers on the mechanics of investing in Canada — registered accounts, adjusted cost base, contribution room, and how returns are measured. No advice, ever.
Canadian Registered Accounts Explained
A plain-language guide to TFSA, RRSP, FHSA, and RESP — contribution limits, tax treatment, and how Luum tracks each account type.
TaxAdjusted cost base, explained for Canadian investors
What ACB is, why your brokerage's number can be wrong, and the four events that change it. A plain-language guide for Canadian non-registered accounts.
Getting organisedTracking multiple investment accounts in one place
Why a TFSA, an RRSP and a taxable account at three institutions cannot be understood one login at a time — and what actually breaks when you try.
Getting organisedTracking a portfolio in a spreadsheet, and where it breaks down
A spreadsheet is the right tool for longer than people admit. Here is what it handles well, the four places it fails silently, and how to know when you have hit them.
AccountsTFSA and RRSP contribution room, and how to actually track it
How room accrues, why withdrawals behave differently in each account, and the overcontribution traps that cost people real money.
PerformanceWhy two tools report different returns on the same portfolio
Time-weighted, money-weighted and simple return measure different things. Which one answers your question depends on what you are actually asking.
AccountsUS Investing Accounts Explained
A plain-language guide to 401(k), Traditional IRA, Roth IRA, HSA, and taxable brokerage accounts — contribution limits, tax treatment, and how Luum tracks each.