Investor-grade writing for Canadian income builders
Clear articles on DRIP mechanics, dividend tax, account placement, and income-planning math.
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Price Moved, Income Still Paid: Inside Prospyr's Income vs Growth Dashboard
A falling share price and a falling dividend are not the same event. See how Prospyr's Income vs Growth Dashboard separates the two for Canadian investors.
Read article→How the Price Creep Alert System Flags a Slowing DRIP Before It Breaks
Price Creep quietly slows your DRIP as a share price rises. See the math behind Prospyr's Price Creep Alert System and how to catch it early.
Read article→What Is a Personalized Strategy Score? Scoring Your Canadian Dividend Portfolio
A Personalized Strategy Score rates your whole Canadian dividend portfolio across six factors. See how the math works and what a low score actually means.
Read article→Growth Stock or Income Stock? How Prospyr's Stock Fit Score Answers It per Holding
Prospyr's Stock Fit Score rates each holding's growth, income, or balanced role. See the math behind the label and what it means for your portfolio.
Read article→Is the Smith Manoeuvre worth it in Canada? A decision framework
Is the Smith Manoeuvre worth it in Canada? Compare tax savings, HELOC interest, investment discipline, cash-flow risk, and recordkeeping demands first.
Read article→Smith Manoeuvre risk: what happens if your HELOC rate rises
Smith Manoeuvre HELOC rate risk can turn a comfortable tax strategy into a cash-flow squeeze when borrowing costs rise faster than dividend income does.
Read article→Using the FHSA for a first home while still investing for dividend income
Using the FHSA for a first home and dividend income requires separating down-payment timing, tax deduction value, and long-term income investing goals.
Read article→Smith Manoeuvre vs. dividend reinvestment: which builds income faster?
Smith Manoeuvre vs dividend reinvestment compares borrowed capital against organic compounding, showing why the faster income path carries more risk now.
Read article→Can you hold dividend stocks in an FHSA? Tax treatment explained
Can you hold dividend stocks in an FHSA? Yes, but the tax treatment, withdrawal rules, home-buying timeline, and investment risk decide whether it fits.
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