Prospyr Journal

Investor-grade writing for Canadian income builders

Clear articles on DRIP mechanics, dividend tax, account placement, and income-planning math.

100 postsCanadian contextDRIP and dividend focused
All topicsDRIP17Tax23Planning34Strategy26Browse 100 articles across DRIP, tax, planning, and strategy.

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Covered call etfsMay 24, 2026

NAV Erosion in Canadian Covered Call ETFs: How Much Are You Actually Losing?

Covered call ETF NAV erosion: the silent loss. Learn how much you're giving up for yield in HDIV, HYLD, QYLD.

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RdspMay 24, 2026

RDSP Grant Optimization: The Strategy CRA Doesn't Explain Clearly

RDSP grant optimization: maximize government matching on disability savings. Carry-forward rules and deadline strategies.

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PlanningMay 23, 2026

Monthly vs Quarterly Dividends in Canada: Which Is Better?

See whether monthly or quarterly dividends are better for Canadian investors and why frequency matters less than income quality, growth, and payment timing.

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PlanningMay 22, 2026

Why Your Dividend Hasn’t Shown Up Yet (Canada Guide)

Learn why a dividend may not have appeared in your Canadian brokerage account yet, including ex-dividend timing, payment dates, broker delays, and DRIP processing.

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PlanningMay 21, 2026

How much income does a $250,000 dividend portfolio generate in Canada?

See how much income a $250,000 Canadian dividend portfolio can generate across yield bands, account types, and reinvestment scenarios.

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PlanningMay 20, 2026

How much income does a $100,000 dividend portfolio generate in Canada?

Learn what a $100,000 Canadian dividend portfolio typically generates by yield, account type, and long-term DRIP compounding.

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PlanningMay 19, 2026

How much do I need to earn $100 a month in dividends in Canada?

See how much capital Canadians typically need to generate the first $100 per month in dividend income and why that milestone matters.

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PlanningMay 18, 2026

How much do I need to earn $1,000 a month in dividends in Canada?

See how much capital Canadians typically need to generate $1,000 per month in dividend income across TFSA, non-registered, and mixed-account setups.

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StrategyMay 17, 2026

Sell your home or keep it as a rental in Canada? How to run the numbers properly

Compare the monthly income tradeoff between keeping a home as a rental or selling and investing the net equity in Canada.

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