# Greenline

> A portfolio tracker for Canadian self-directed investors. See everything you own across all accounts in one place, without linking your bank.

Greenline is built by Greenline Platforms Inc., a Canadian company.

## What Greenline is

Greenline is a web-based dashboard for Canadians who manage their own investments. You upload brokerage statements (PDF, CSV, or screenshots) and Greenline organizes your holdings, calculates your returns, and shows you what you're paying in fees. It covers TFSAs, RRSPs, FHSAs, RDSPs, RESPs, LIRAs, LIFs, RRIFs, Spousal RRSPs, Group RRSPs, non-registered, margin, and corporate accounts.

It is not a bank, brokerage, or robo-advisor. It does not hold your money, execute trades, or provide financial advice.

## What makes it different

- No bank linking. You upload statements yourself. Your bank's fraud protection stays intact.
- No conflicts of interest. Revenue comes from subscriptions only. No referral fees, no commissions, no data sold.
- Canadian-first. Built for Canadian account types, tax rules, and brokerages. Not adapted from an American product.
- AI daily summary. Every market day, Greenline writes a plain-English summary of your portfolio: what moved, what it means, and what to watch.

## Key features

- Unified dashboard across all accounts and brokerages
- Import from PDF statements, CSV exports, or screenshots (AI-powered parsing)
- Holdings, balances, and allocation in one view
- Fee analysis showing what you pay across every fund
- Time-weighted and money-weighted return calculations
- Benchmark comparison against the S&P 500 and others
- Performance tracking by account
- Dividend tracking and history
- Position records preserved even after you sell
- Net worth tracking over time
- Contribution room tracking for registered accounts

## Feature pages

In-depth pages for each core capability:

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- Portfolio Tracker: Every Account in One Place — Bring every investment account into one portfolio. Upload a PDF, CSV, or screenshot, review it, done. No bank linking. (https://usegreenline.com/portfolio-tracker)
- Dividend Tracker: See Your Income Add Up — See upcoming payouts, log what arrives in two taps, and watch your dividend income build a history you own. USD withholding tax flagged where it applies. (https://usegreenline.com/dividend-tracker)
- Capital Gains Tracker: ACB Tracked as You Go — Adjusted cost base and capital gains, tracked as you go. Registered accounts stay out of your tax math. Numbers ready for your accountant, not reconstructed. (https://usegreenline.com/capital-gains-tracker)
- Portfolio Analysis: See Inside Your Holdings — See through your ETFs to real sector, region, and currency exposure. Every holding, every lot, and what your fees actually cost, in dollars. (https://usegreenline.com/portfolio-analysis)
- Portfolio History: Your Full Track Record — See your whole investing history: your portfolio's value since day one, your best and worst days, how every year went, and where you stand against the S&P 500. (https://usegreenline.com/portfolio-history)
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## Who it's for

- Self-directed investors using Canadian brokerages. Greenline has first-class parsers for Wealthsimple Trade, Wealthsimple Invest, Questrade, RBC Direct Investing, TD Direct Investing, BMO InvestorLine, Scotia iTRADE, National Bank Direct Brokerage, CIBC Investor's Edge, and Interactive Brokers Canada. Other Canadian brokerages (Qtrade, Disnat, EQ Bank Investments, and others) typically work via the general AI parser, though we haven't formally certified them.
- People with investments spread across multiple accounts and platforms
- Investors who want to understand their fees, returns, and allocation without a spreadsheet
- Canadians who don't want to share their banking credentials with third-party apps

## Pricing

Free during beta with no credit card required. When paid plans launch, beta members will get advance notice and lock-in pricing.
Sign-in is via Google or Apple OAuth only. Greenline does not offer email/password sign-in.

## What Greenline is not

- Not a brokerage. Greenline does not execute trades or hold money.
- Not a robo-advisor. Greenline does not manage portfolios or give personalized investment advice.
- Not registered as a portfolio manager or dealer under Canadian securities laws.
- Not stored in Canada (yet). Greenline data is hosted on enterprise US cloud infrastructure with encryption at rest and in transit. Canadian data residency is on the roadmap. Greenline never holds banking credentials or money, so the data scope is portfolio holdings rather than account access.
- Does not auto-update mutual fund prices. Mutual fund prices in Canada don't have a public real-time feed; balances stay where the user sets them until they log an update.
- Does not auto-track dividends end-to-end. Dividends are easy to log when they arrive; Greenline rolls them into income views.
- Does not access bank login credentials.

## Canadian account coverage

- TFSA, Tax-Free Savings Account
- RRSP, Registered Retirement Savings Plan
- FHSA, First Home Savings Account
- RDSP, Registered Disability Savings Plan
- RESP, Registered Education Savings Plan
- LIRA, Locked-In Retirement Account
- LIF, Life Income Fund
- RRIF, Registered Retirement Income Fund
- Spousal RRSP
- Group RRSP
- Non-registered (taxable)
- Margin
- Cash
- Corporate (limited support)

Full reference: https://usegreenline.com/canadian-account-types

## Comparisons

Summary table across the most common alternatives (Wealthica, Sharesight, Wealthsimple, spreadsheets, budgeting apps): https://usegreenline.com/compare/greenline-at-a-glance

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- Greenline + BMO InvestorLine — BMO handles your trades. Greenline shows you how everything fits together. (https://usegreenline.com/compare/bmo-investorline)
- Greenline vs Budgeting Apps — Budgeting apps track your spending. Greenline tracks your wealth. (https://usegreenline.com/compare/budgeting-apps)
- Greenline vs Capitally — Both are privacy-first. One is built for Canada. (https://usegreenline.com/compare/capitally)
- Greenline + CIBC Investor's Edge — Lower commissions are a great start. Seeing your full portfolio is even better. (https://usegreenline.com/compare/cibc-investors-edge)
- Desjardins Online Brokerage (Disnat) Review for DIY Investors — Disnat handles your trades in both languages. Greenline shows you the bigger picture. (https://usegreenline.com/compare/desjardins)
- Greenline vs getquin — Both support manual entry. One adds a social layer. One adds Canadian context. (https://usegreenline.com/compare/getquin)
- Greenline vs Ghostfolio — One is open-source and self-hosted. One is ready to go. (https://usegreenline.com/compare/ghostfolio)
- National Bank Direct Brokerage (NBDB) Review for DIY Investors — Commission-free trading from a major bank. Greenline gives you the view across everything else. (https://usegreenline.com/compare/national-bank)
- Greenline vs Passiv — Passiv rebalances. Greenline tracks. They work well together. (https://usegreenline.com/compare/passiv)
- Portfolio Performance vs Greenline: desktop power vs web simplicity — One is a desktop app for power users. One is built for everyone. (https://usegreenline.com/compare/portfolio-performance)
- Greenline vs Portseido — Both support file uploads. One is built specifically for Canadian investors. (https://usegreenline.com/compare/portseido)
- Greenline + Qtrade — Great service and $0 commissions. Greenline adds the view across everything you own. (https://usegreenline.com/compare/qtrade)
- Questrade Review: fees, account types, and what's missing — Low-cost trades are just the start. Greenline shows you where it all adds up. (https://usegreenline.com/compare/questrade)
- Greenline + RBC Direct Investing — Banking and investing in one place is convenient. Seeing everything in one place is better. (https://usegreenline.com/compare/rbc-direct-investing)
- Greenline vs Robo-Advisors — A robo-advisor manages your money. Greenline helps you understand it. (https://usegreenline.com/compare/robo-advisors)
- Sharesight vs Greenline: which is better for Canadian accounts — Both track performance. One is built for Canada. (https://usegreenline.com/compare/sharesight)
- Simply Wall St vs Greenline: stock analysis vs portfolio tracking — One analyzes stocks. One analyzes your portfolio. (https://usegreenline.com/compare/simply-wall-st)
- Snowball Analytics Alternative for Canadian Investors — Both track your portfolio. Different approach to getting your data in. (https://usegreenline.com/compare/snowball)
- Greenline vs Spreadsheets — Everything your spreadsheet does, without the maintenance. (https://usegreenline.com/compare/spreadsheets)
- Greenline vs Stock Events — Both track dividends. One shows you the full picture. (https://usegreenline.com/compare/stock-events)
- Greenline + TD Direct Investing — TD makes investing easy to start. Greenline makes it easy to understand. (https://usegreenline.com/compare/td-direct-investing)
- Wealthfolio vs Greenline: desktop app vs web tracker — One is a desktop app. One works on any device. (https://usegreenline.com/compare/wealthfolio)
- Wealthica vs Greenline: which Canadian tracker (2026) — Both track your investments. One links your bank. One doesn't. (https://usegreenline.com/compare/wealthica)
- Greenline + Wealthsimple — Your brokerage handles the trades. Greenline shows you the full picture. (https://usegreenline.com/compare/wealthsimple)
- Greenline vs Yahoo Finance — One is a news site with watchlists. One tracks your actual portfolio. (https://usegreenline.com/compare/yahoo-finance)
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## Guides

In-depth, independent guides for Canadian DIY investors, grouped by topic. Each is written to answer a real investing question plainly. Full text of every guide is at https://usegreenline.com/llms-full.txt

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### DIY Investing
- 20 newer Canadian ETFs that have earned a real track record — Twenty Canadian ETFs launched in 2020 and 2021 have now built five-year records. Here's what each one actually is, who runs it, the fee, and where it fits. (https://usegreenline.com/articles/newer-etfs-worth-a-look-2026)
- AENP ETF: the AGF Enhanced U.S. Income Plus Fund, explained — AENP is the ETF series of AGF's U.S. equity option-writing fund, trading on the TSX since June 23, 2026. Monthly income, put and call writing, and possible leverage. Here's what to know. (https://usegreenline.com/articles/aenp-etf-explained)
- AMDU: the SavvyLong (2X) AMD ETF, explained — AMDU delivers two times the daily move of AMD stock, trading on the TSX since June 16, 2026 at a 1.55% fee. Here's how daily-reset leverage really behaves. (https://usegreenline.com/articles/amdu-etf-explained)
- Anthropic ETF Canada: how to get Anthropic exposure before the IPO — There's no direct Anthropic ETF in Canada, because Anthropic is private. The routes today: US-listed funds with a stake, broad AI ETFs, and proxies like Amazon. (https://usegreenline.com/articles/anthropic-etf-canada)
- Are covered call ETFs worth it for Canadian investors? — Covered call ETFs advertise 8% to 12% yields. Here's how the strategy actually works, what the yield really is, and when these funds make sense. (https://usegreenline.com/articles/covered-call-etfs-canada)
- ASHR: the Mulvihill Split Capital Share ETF, explained — ASHR holds the capital shares of Canadian split share corporations, the leveraged side of the structure, trading on the TSX since June 24, 2026. Here's how split shares work. (https://usegreenline.com/articles/ashr-etf-explained)
- Asset location: which investments go in which account — You might be holding the right investments in the wrong accounts. The difference between asset allocation and asset location can cost you thousands in taxes. (https://usegreenline.com/articles/asset-location-canada)
- Avantis CIBC ETFs: factor investing arrives in Canada — CIBC and Avantis launched a lineup of factor-tilted ETFs in early 2026. Here's what's in it, who Avantis is, and how to think about whether any of them fit. (https://usegreenline.com/articles/avantis-cibc-etfs-canada)
- Avantis vs Dimensional: same lineage, different access — Avantis was founded by ex-Dimensional people running the same factor lineage. The real difference for a Canadian is access: Avantis CIBC ETFs are retail, DFA historically was not. (https://usegreenline.com/articles/avantis-vs-dimensional)
- Avantis vs Vanguard: two different bets, not better or worse — Avantis tilts toward value, size, and profitability. Vanguard mostly tracks cap-weighted indexes. For a Canadian, that's CAGE versus XEQT or VEQT. Here's how to think about it. (https://usegreenline.com/articles/avantis-vs-vanguard)
- BDAY: the Hamilton Enhanced Bitcoin DayMAX ETF, explained — BDAY combines bitcoin exposure with same-day option writing and modest leverage, trading on Cboe Canada since June 25, 2026. Canada's first 0DTE bitcoin income ETF, explained. (https://usegreenline.com/articles/bday-etf-explained)
- Bonds explained: do you need them in your portfolio? — Bonds are the part of investing nobody gets excited about. But they serve a real purpose, and ignoring them entirely has consequences. (https://usegreenline.com/articles/bonds-explained-canada)
- CACE ETF: what CACE.TO is, what it holds, and how it works — CACE.TO is the Avantis CIBC Canadian Equity ETF, listed on the TSX in February 2026. Here's what it is, what it holds, the management fee, and how the factor tilt works. (https://usegreenline.com/articles/cace-etf-explained)
- CACE vs CAGE: the Canadian sleeve vs the all-in-one Avantis fund — CACE is Avantis CIBC's Canadian equity sleeve. CAGE is the all-in-one global all-equity fund that already holds Canada. Here's when you'd want each, and whether to hold both. (https://usegreenline.com/articles/cace-vs-cage)
- CACE vs VCN: Avantis factor tilt vs Vanguard's all-cap Canada index — CACE is Avantis CIBC's factor-tilted Canadian equity ETF. VCN is Vanguard's cheap all-cap Canadian index. Here's how the two actually differ and who each suits. (https://usegreenline.com/articles/cace-vs-vcn)
- CACE vs XIC: factor-tilted Canadian equity vs the plain index — CACE is Avantis CIBC's factor-tilted Canadian equity ETF. XIC is the cheap cap-weighted TSX index most Canadians already own. Here's how they actually differ. (https://usegreenline.com/articles/cace-vs-xic)
- CADE ETF: what CADE.TO is, what it holds, and how it works — CADE.TO is the Avantis CIBC International Equity ETF, listed on the TSX in March 2026 at a 0.29% management fee. What it is, what it holds, and how the factor tilt works. (https://usegreenline.com/articles/cade-etf-explained)
- CAEM ETF: what CAEM.TO is, what it holds, and how it works — CAEM.TO is the Avantis CIBC Emerging Markets Equity ETF, the last of the lineup to list (March 31, 2026) at a 0.39% management fee. What it holds and how it works. (https://usegreenline.com/articles/caem-etf-explained)
- CAGE ETF: what CAGE.TO is, what it holds, and how it works — CAGE.TO is CIBC and Avantis's all-equity ETF, listed on the TSX in March 2026. What it holds, the 0.28% management fee, the factor tilt, and who it's for. (https://usegreenline.com/articles/cage-etf-explained)
- CAGE vs AVGE: the Canadian wrapper for the Avantis all-equity strategy — AVGE is the U.S.-listed Avantis all-equity ETF. CAGE is the new Canadian-listed equivalent. Same strategy, different costs, very different friction for a Canadian investor. (https://usegreenline.com/articles/cage-vs-avge)
- CAGE vs CASV: complete portfolio versus pure small-cap value tilt — CASV is the Avantis CIBC small-cap value ETF; CAGE is the all-equity. They're not competing products. Here's how to think about which one fits where. (https://usegreenline.com/articles/cage-vs-casv)
- CAGE vs FEQT: the Avantis factor ETF vs Fidelity's all-equity ETF — CAGE is Avantis's factor-tilted all-equity ETF at 0.28%. FEQT is Fidelity's global all-equity ETF with a ~3% Bitcoin sleeve at ~0.39%. How they really differ. (https://usegreenline.com/articles/cage-vs-feqt)
- CAGE vs VEQT: comparing CIBC's new Avantis ETF to Vanguard's all-in-one — CAGE is the new Avantis all-equity ETF. VEQT is Vanguard's longtime all-in-one. Here's how they actually differ on strategy, cost, and Canada weight. (https://usegreenline.com/articles/cage-vs-veqt)
- CAGE vs XEQT: what to know about Canada's new Avantis all-equity ETF — CAGE tilts to value and profitability via Avantis; XEQT is a low-cost market-cap index. The differences in fees, holdings, and Canada weight. (https://usegreenline.com/articles/cage-vs-xeqt)
- CAGE vs ZEQT: how the new Avantis ETF stacks up against BMO's all-equity — CAGE is the new Avantis CIBC factor-tilted all-equity ETF. ZEQT is BMO's cap-weighted all-in-one. Same one-ticker job, very different philosophy. Here's how to pick. (https://usegreenline.com/articles/cage-vs-zeqt)
- CAGR ETF: what the Avantis CIBC Growth Asset Allocation ETF is — CAGR.TO is CIBC and Avantis's 80/20 growth ETF, filed in July 2026 and expected to list on the TSX. What it holds, the 0.28% fee, and who it's for. (https://usegreenline.com/articles/cagr-etf-explained)
- CAGX ETF: what the Avantis CIBC World Equity ETF is — CAGX.TO is CIBC and Avantis's all-equity world fund, filed in July 2026 and expected to list on the TSX. Only 3% Canada, 65% U.S., and a 0.28% fee. (https://usegreenline.com/articles/cagx-etf-explained)
- CAKE ETF: what the Avantis CIBC Balanced Asset Allocation ETF is — CAKE.TO is CIBC and Avantis's 60/40 balanced ETF, filed in July 2026 and expected to list on the TSX. What it holds, the 0.28% fee, and who it's for. (https://usegreenline.com/articles/cake-etf-explained)
- CALV ETF: what CALV.TO is, what it holds, and how it works — CALV.TO is the Avantis CIBC U.S. Large Cap Value ETF, listed on the TSX in February 2026 at a 0.25% management fee. What it is, what it holds, and how the value tilt works. (https://usegreenline.com/articles/calv-etf-explained)
- CASV ETF: what CASV.TO is, what it holds, and how it works — CASV.TO is the Avantis CIBC Global Small Cap Value ETF, listed on the TSX in March 2026. Here's what it is, what it holds, the management fee, and how the small-cap value strategy works. (https://usegreenline.com/articles/casv-etf-explained)
- CASV vs AVUV: the Canadian small-cap value question — AVUV is the U.S.-listed Avantis small-cap value ETF. CASV is the new Canadian-listed version. Same family, different scope and wrapper. Here's how a Canadian should think about it. (https://usegreenline.com/articles/casv-vs-avuv)
- CAUS ETF: what CAUS.TO is, what it holds, and how it works — CAUS.TO is the Avantis CIBC U.S. All-Cap Equity ETF, listed on the TSX in February 2026 at a 0.19% management fee. What it is, what it holds, and how the factor tilt works. (https://usegreenline.com/articles/caus-etf-explained)
- CAUV ETF: what CAUV.TO is, what it holds, and how it works — CAUV.TO is the Avantis CIBC U.S. Small Cap Value ETF, the Canadian-listed equivalent of AVUV. Listed February 2026 at a 0.35% management fee. What it holds and how it works. (https://usegreenline.com/articles/cauv-etf-explained)
- CCBA: the CIBC Canadian Bond Fund ETF Class, explained — CCBA is the ETF class of CIBC's $7 billion core Canadian bond fund, listed on Cboe Canada in May 2026 at a 0.20% fee. Here's what's inside and how it compares. (https://usegreenline.com/articles/ccba-etf-explained)
- CCGP ETF: what CCGP.TO is, what 'Permanence' means, and how it works — CCGP.TO is the Counterpoint Global CIBC Global Permanence ETF, listed on the TSX in May 2026 at a 0.60% management fee. What it is, what 'Permanence' means, and how it works. (https://usegreenline.com/articles/ccgp-etf-explained)
- CCIP ETF: what CCIP.TO is, what 'Permanence' means, and how it works — CCIP.TO is the Counterpoint Global CIBC International Permanence ETF, listed on the TSX in May 2026 at a 0.60% management fee. What it is, what 'Permanence' means, and how it works. (https://usegreenline.com/articles/ccip-etf-explained)
- CCUL ETF: what CCUL.TO is, what it holds, and how it works — CCUL.TO is the Counterpoint Global CIBC U.S. Large Cap Growth ETF, listed on the TSX in May 2026 at a 0.50% management fee. What it is, who Counterpoint Global is, and how it works. (https://usegreenline.com/articles/ccul-etf-explained)
- CCUS ETF: what CCUS.TO is, what it holds, and how it works — CCUS.TO is the Counterpoint Global CIBC U.S. Small Cap Growth ETF, listed on the TSX in May 2026 at a 0.60% management fee. What it is, who Counterpoint Global is, and how it works. (https://usegreenline.com/articles/ccus-etf-explained)
- CLML ETF: what CI Global Climate Leaders Fund is, what it holds, and how it works — CLML.TO is an active global equity ETF from CI that owns companies positioned for the energy transition. Here's the MER and how it compares. (https://usegreenline.com/articles/clml-etf-explained)
- CMAX ETF: what CMAX.TO is, and how the YIELD MAXIMIZER income works — CMAX.TO is the Hamilton Canadian Equity YIELD MAXIMIZER ETF, listed on the TSX in May 2026. What it is, how the covered-call monthly income works, and the trade-offs. (https://usegreenline.com/articles/cmax-etf-explained)
- CMCC, CMCL, SVCC, SVCL: Global X's commodity covered-call ETFs — Global X's CMCC, CMCL, SVCC, and SVCL are covered-call and enhanced covered-call versions of its commodity producer and silver miner ETFs. Here's how each one works. (https://usegreenline.com/articles/global-x-commodity-covered-call-etfs)
- COMX ETF: what COMX.TO is, what it holds, and how it works — COMX.TO is the Global X All-In-One Commodity Producers Equity ETF, listed on the TSX in May 2026 at a 0.55% management fee. What it holds and how it works. (https://usegreenline.com/articles/comx-etf-explained)
- CSTB: the CIBC Short-Term Income Fund ETF Class, explained — CSTB is the ETF class of CIBC's $1.6 billion short-term bond fund, listed on Cboe Canada in May 2026 at a 0.17% fee. Here's what it holds and who it suits. (https://usegreenline.com/articles/cstb-etf-explained)
- DACL ETF: the Desjardins Canadian Equity Leaders ETF, explained — DACL is an actively managed Canadian large and mid-cap equity ETF, trading on the TSX since June 29, 2026 at a 0.43% fee. Here's the mandate and the trade-offs. (https://usegreenline.com/articles/dacl-etf-explained)
- DACU ETF: the Desjardins Active Canadian Bond Universe ETF, explained — DACU is an actively managed core Canadian bond ETF, trading on the TSX since June 29, 2026 at a 0.30% fee. Here's the mandate and how it compares to an index fund. (https://usegreenline.com/articles/dacu-etf-explained)
- DAGL ETF: the Desjardins Global Opportunities ETF, explained — DAGL is an actively managed global equity ETF with partial currency hedging, trading on the TSX since June 29, 2026 at a 0.54% fee. Here's what's inside. (https://usegreenline.com/articles/dagl-etf-explained)
- DGGB ETF: the Desjardins Global Government Bond Index ETF, explained — DGGB tracks a G7 government bond index with CAD hedging, trading on the TSX since June 2, 2026 at a 0.20% fee. Here's what it holds and where it fits. (https://usegreenline.com/articles/dggb-etf-explained)
- DIVY ETF: what DIVY.TO is, what it holds, and how it works — DIVY.TO is the Global X Active U.S. Dividend ETF, listed on the TSX in May 2026 at a 0.35% management fee. What it holds, how the active dividend strategy works, and the trade-offs. (https://usegreenline.com/articles/divy-etf-explained)
- ESG.TO ETF: what Invesco S&P 500 ESG Index ETF is, what it holds, and how it works — ESG.TO is Invesco's S&P 500 ESG index tracker, listed in 2020. 0.17% MER, 22.5% three-year annualized return. The cheapest U.S. ESG equity ETF on this list. (https://usegreenline.com/articles/esg-to-etf-explained)
- FBAL ETF: what Fidelity All-in-One Balanced ETF is, what it holds, and how it works — FBAL is Fidelity's $11B 60/40 all-in-one balanced ETF. Listed 2021, 0.40% MER, 15.1% three-year return. Active underlying funds, not index. (https://usegreenline.com/articles/fbal-etf-explained)
- FCCM ETF: what Fidelity Canadian Momentum ETF is, what it holds, and how it works — FCCM is Fidelity's Canadian momentum-tilted ETF. Listed 2020, 0.38% MER, 27.9% three-year return. Holdings, fees, and where it fits. (https://usegreenline.com/articles/fccm-etf-explained)
- FCCV ETF: what Fidelity Canadian Value ETF is, what it holds, and how it works — FCCV is Fidelity's Canadian value-tilted ETF. Listed in 2020, it has put up a 22.9% three-year annualized return. Here's the MER, holdings, and where it fits. (https://usegreenline.com/articles/fccv-etf-explained)
- FCGI ETF: what Fidelity Global Monthly High Income ETF is, what it holds, and how it works — FCGI is Fidelity's monthly-distribution global income ETF. Listed in 2020, 0.64% MER, 13.3% three-year annualized return. Built for income, not growth. (https://usegreenline.com/articles/fcgi-etf-explained)
- FCIM ETF: what Fidelity International Momentum ETF is, what it holds, and how it works — FCIM is Fidelity's international momentum ETF. Listed 2020, 0.49% MER, 27.3% three-year return. Holdings, fees, and where it fits. (https://usegreenline.com/articles/fcim-etf-explained)
- FCMO ETF: what Fidelity U.S. Momentum ETF is, what it holds, and how it works — FCMO is Fidelity's U.S. momentum-tilted ETF. Listed in 2020, it has put up a 31.8% three-year annualized return. Here's the MER, holdings, and where it fits. (https://usegreenline.com/articles/fcmo-etf-explained)
- FCVH ETF: what Fidelity U.S. Value Currency Neutral ETF is, what it holds, and how it works — FCVH is Fidelity's U.S. value-tilted ETF with CAD hedging. Listed 2020, 0.41% MER, 23.5% three-year return. Fees, fit, and trade-offs. (https://usegreenline.com/articles/fcvh-etf-explained)
- FGRO ETF: what Fidelity All-in-One Growth ETF is, what it holds, and how it works — FGRO is Fidelity's $6B 85/15 all-in-one growth ETF. Listed in 2021, 0.42% MER, 19.8% three-year annualized return. Uses Fidelity's active underlying funds. (https://usegreenline.com/articles/fgro-etf-explained)
- GBAL ETF: what iShares ESG Balanced ETF Portfolio is, what it holds, and how it works — GBAL is iShares' 60/40 ESG-screened balanced portfolio ETF. Listed in 2020, 0.24% MER, 15.2% three-year annualized return. Here's what's inside. (https://usegreenline.com/articles/gbal-etf-explained)
- GCNS ETF: what iShares ESG Conservative Balanced ETF Portfolio is, what it holds, and how it works — GCNS is iShares' 40/60 ESG-screened conservative portfolio ETF. Listed in 2020, 0.23% MER, 11.4% three-year annualized return. Here's what's inside. (https://usegreenline.com/articles/gcns-etf-explained)
- GEQT ETF: what iShares ESG Equity ETF Portfolio is, what it holds, and how it works — GEQT is iShares' ESG-screened all-equity portfolio ETF. Listed in 2020, it has put up a 22.7% three-year annualized return at 0.25% MER. Here's what's inside. (https://usegreenline.com/articles/geqt-etf-explained)
- GGRO ETF: what iShares ESG Growth ETF Portfolio is, what it holds, and how it works — GGRO is iShares' 80/20 ESG-screened growth portfolio ETF. Listed in 2020, 0.24% MER, 18.8% three-year annualized return. Here's what's inside. (https://usegreenline.com/articles/ggro-etf-explained)
- GICD ETF: the Guardian i3 Canadian Dividend Growth Fund, explained — GICD is the ETF series of Guardian's AI-assisted Canadian dividend growth fund, trading on the TSX since June 16, 2026. Here's the strategy, the concentration, and the costs. (https://usegreenline.com/articles/gicd-etf-explained)
- GIGD ETF: the Guardian i3 Global Dividend Growth Fund, explained — GIGD is the ETF series of Guardian's AI-assisted global dividend growth strategy, trading on the TSX since June 16, 2026. Here's the strategy, the fees, and what's still unknown. (https://usegreenline.com/articles/gigd-etf-explained)
- Holding Bitcoin and Ethereum ETFs in a Canadian TFSA or RRSP — Yes, Canadian-listed Bitcoin and Ethereum ETFs are qualified investments for TFSAs and RRSPs. Here's how it works, the tickers that count, and what to think about first. (https://usegreenline.com/articles/crypto-in-tfsa-rrsp-canada)
- How to buy SpaceX stock in Canada (SPCX): a step-by-step — SpaceX is public as SPCX on the NASDAQ. The step-by-step to buy it from a Canadian account: US market access, the currency conversion, the order, and position sizing. (https://usegreenline.com/articles/how-to-buy-spacex-stock-canada)
- How to pick ETFs in Canada — Everyone has a list of 'best ETFs.' Nobody teaches you how to evaluate them yourself. Here's what to actually look at before you buy. (https://usegreenline.com/articles/how-to-pick-etfs-canada)
- How to set up a DRIP at your Canadian brokerage — Dividend reinvestment plans let you automatically turn dividends into more shares. Here's how to set one up and what to watch for. (https://usegreenline.com/articles/how-to-set-up-drip-canada)
- How to transfer investments between brokerages — Switching from a big bank to a discount brokerage? Here's how transfers actually work, what they cost, and the one mistake that could cost you contribution room. (https://usegreenline.com/articles/transferring-investments-between-brokerages)
- IMAX ETF: what IMAX.TO is, and how the YIELD MAXIMIZER income works — IMAX.TO is the Hamilton International Equity YIELD MAXIMIZER ETF, listed on the TSX in May 2026. What it is, how the covered-call monthly income works, and the trade-offs. (https://usegreenline.com/articles/imax-etf-explained)
- JEPH ETF: what JEPH.TO is, and how it differs from JEPI — JEPH.TO is the CAD-hedged version of JPMorgan's US Equity Premium Income ETF, listed on the TSX in May 2026. What it is, how the income works, and hedged vs unhedged. (https://usegreenline.com/articles/jeph-etf-explained)
- JPIE ETF: what JPIE.TO is, what it holds, and how it works — JPIE.TO is the JPMorgan Income Active ETF, a CAD-hedged active fixed-income fund listed on the TSX in 2026 at a 0.39% management fee. What it holds and how it works. (https://usegreenline.com/articles/jpie-etf-explained)
- JPQH ETF: what JPQH.TO is, and how it differs from JEPQ — JPQH.TO is the CAD-hedged version of JPMorgan's Nasdaq Equity Premium Income ETF, listed on the TSX in May 2026. What it is, how the income works, and hedged vs unhedged. (https://usegreenline.com/articles/jpqh-etf-explained)
- MBAL ETF: what Mackenzie Balanced Allocation ETF is, what it holds, and how it works — MBAL is Mackenzie's 60/40 balanced allocation ETF. Listed in 2020, 0.18% MER, 14.1% three-year annualized return. The cheapest balanced wrapper on this list. (https://usegreenline.com/articles/mbal-etf-explained)
- MBNK: the Mulvihill Canadian Bank ETF, explained — MBNK holds the Big Six Canadian banks with option writing for monthly income, trading on the TSX since June 23, 2026. Here's what's confirmed and what isn't. (https://usegreenline.com/articles/mbnk-etf-explained)
- MCON ETF: what Mackenzie Conservative Allocation ETF is, what it holds, and how it works — MCON is Mackenzie's 40/60 conservative allocation ETF. Listed 2020, 0.19% MER, 10.3% three-year return. The cheapest conservative wrapper. (https://usegreenline.com/articles/mcon-etf-explained)
- MGRW ETF: what Mackenzie Growth Allocation ETF is, what it holds, and how it works — MGRW is Mackenzie's 80/20 growth allocation ETF. Listed 2020, 0.18% MER, 18.0% three-year return. The cheapest growth wrapper here. (https://usegreenline.com/articles/mgrw-etf-explained)
- MUU: the SavvyLong (2X) Micron ETF, explained — MUU delivers two times the daily move of Micron stock, trading on the TSX since June 16, 2026 at a 1.55% fee. Memory-chip volatility, doubled. Here's what that means. (https://usegreenline.com/articles/muu-etf-explained)
- NBLD ETF: the NBI Balanced ETF Portfolio, explained — NBLD is National Bank's balanced all-in-one ETF portfolio, trading on the TSX since June 23, 2026 at a 0.35% fee. Here's what it is and how it stacks up. (https://usegreenline.com/articles/nbld-etf-explained)
- NCNS ETF: the NBI Conservative ETF Portfolio, explained — NCNS is National Bank's conservative all-in-one ETF portfolio, trading on the TSX since June 23, 2026 at a 0.35% fee. Here's how it works and how it compares. (https://usegreenline.com/articles/ncns-etf-explained)
- NEQT ETF: the NBI Equity ETF Portfolio, explained — NEQT is National Bank's all-equity all-in-one ETF portfolio, trading on the TSX since June 23, 2026 at a 0.35% fee. Here's how it compares to VEQT and XEQT. (https://usegreenline.com/articles/neqt-etf-explained)
- New Canadian ETFs, June 2026: all 28 launches and what's worth knowing — June 2026 brought 28 new ETFs to the Canadian market, including the first SpaceX funds after the IPO, leveraged bank strategies, and a bitcoin 0DTE fund. The full list, with honest notes. (https://usegreenline.com/articles/new-canadian-etfs-june-2026)
- New Canadian ETFs, May 2026: all 44 launches and what's worth knowing — May 2026 brought 44 new ETFs to the Canadian market, heavy on income and covered-call funds. Here's the full list by issuer, with plain-English notes on what's actually worth a look. (https://usegreenline.com/articles/new-canadian-etfs-may-2026)
- NGRW ETF: the NBI Growth ETF Portfolio, explained — NGRW is National Bank's growth all-in-one ETF portfolio, trading on the TSX since June 23, 2026 at a 0.35% fee. Here's where it sits on the ladder and what to check. (https://usegreenline.com/articles/ngrw-etf-explained)
- NTHM ETF: the NBI Thematic Rotation ETF, explained — NTHM rotates across the top-ranked global investment themes by quality and momentum, trading on the TSX since June 23, 2026 at a 0.55% fee. Here's how the rotation works. (https://usegreenline.com/articles/nthm-etf-explained)
- OpenAI ETF Canada: how to get OpenAI exposure before the IPO — There's no direct OpenAI ETF in Canada, because OpenAI is private. The real routes today: US-listed pre-IPO funds, broad AI ETFs, and proxies like Microsoft. (https://usegreenline.com/articles/openai-etf-canada)
- ORBU: the SavvyLong (2X) SpaceX ETF, explained — ORBU delivers two times the daily move of newly listed SpaceX stock (SPCX), trading on the TSX since June 16, 2026. Double leverage on IPO volatility. Here's the full picture. (https://usegreenline.com/articles/orbu-etf-explained)
- ORBX ETF: what the Global X Space Tech Index ETF is, what it holds, and how it works — ORBX is Global X's space ETF on the TSX. 0.49% fee, tracks listed space companies like Rocket Lab and AST SpaceMobile. Important: it does not hold SpaceX. (https://usegreenline.com/articles/orbx-etf-explained)
- PFRD: the Mulvihill Split Preferred Share ETF, explained — PFRD holds the preferred shares of Canadian split share corporations, the steadier side of the structure, trading on the TSX since June 24, 2026. Here's how it works. (https://usegreenline.com/articles/pfrd-etf-explained)
- PGRX ETF: the Purpose Global Resource Fund, explained — PGRX is the ETF series of Purpose's active global resource fund, trading on the TSX since June 23, 2026. A 20-year-old strategy with a spectacular recent run. Here's the full picture. (https://usegreenline.com/articles/pgrx-etf-explained)
- PLTU, RBNU, METU: how 2X single-stock ETFs actually work — LongPoint's PLTU, RBNU, and METU are 2X daily leveraged single-stock ETFs on Palantir, Robinhood, and Meta. Here's how daily-reset leverage works and why it isn't buy-and-hold. (https://usegreenline.com/articles/leveraged-single-stock-etfs-canada)
- QQCE ETF: what Invesco ESG NASDAQ 100 Index ETF is, what it holds, and how it works — QQCE is Invesco's ESG-screened NASDAQ 100 ETF. Listed 2021, 0.21% MER, 30.0% three-year return. The ESG screen barely changes character. (https://usegreenline.com/articles/qqce-etf-explained)
- RCDL: the RBC Enhanced Quant Canadian Dividend Leaders Fund, explained — RCDL is a leveraged quant Canadian dividend fund from RBC, trading on Cboe Canada since June 9, 2026. About 25% borrowing on top of a dividend portfolio. Here's how it works. (https://usegreenline.com/articles/rcdl-etf-explained)
- RNVL: the RBC Enhanced North American Value Fund, explained — RNVL is a leveraged active value fund from RBC, trading on Cboe Canada since June 9, 2026 at a 1.00% fee. Here's how it differs from its quant siblings and what to weigh. (https://usegreenline.com/articles/rnvl-etf-explained)
- Robo-advisor vs self-directed investing in Canada: which is right for you? — Robo-advisor vs self-directed investing compared. The fee gap, the DIY effort, and when each one wins for Canadian investors. Wealthsimple, Questwealth, RBC InvestEase, and the self-directed alternative. (https://usegreenline.com/articles/robo-advisors-vs-self-directed)
- RUDL: the RBC Enhanced Quant U.S. Dividend Leaders Fund, explained — RUDL is a leveraged quant U.S. dividend fund from RBC, trading on Cboe Canada since June 9, 2026. Its top holdings are mega-cap tech. Here's what's actually inside. (https://usegreenline.com/articles/rudl-etf-explained)
- SLVX ETF: what SLVX.TO is, what it holds, and how it works — SLVX.TO is the Global X Silver Miners Index ETF, listed on the TSX in May 2026 at a 0.50% management fee. What it holds, how it tracks silver miners, and the trade-offs. (https://usegreenline.com/articles/slvx-etf-explained)
- SpaceX ETF Canada: how to get SpaceX exposure from a Canadian account — SpaceX went public in June 2026 (NASDAQ: SPCX). How Canadians get exposure: buy SPCX directly, the new income ETFs SPXY, SPXE and SXHI, or diversified ORBX. (https://usegreenline.com/articles/spacex-etf-canada)
- SPXE ETF: the Harvest SpaceX Enhanced High Income Shares ETF, explained — SPXE is Harvest's single-stock SpaceX income ETF, trading on the TSX since June 15, 2026: 0.40% fee, about 25% leverage, and an active covered call overlay. Here's what's confirmed. (https://usegreenline.com/articles/spxe-etf-explained)
- SPXY ETF: what the Purpose SpaceX Yield Shares ETF is, how it works, and the catches — SPXY is Purpose's single-stock SpaceX income ETF on Cboe Canada. 0.40% fee, about 25% leverage, covered calls on roughly half the book for monthly income. Here are the risks. (https://usegreenline.com/articles/spxy-etf-explained)
- SPXY vs SPXE vs SXHI: the three Canadian SpaceX income ETFs compared — Purpose's SPXY, Harvest's SPXE, and Ninepoint's SXHI are Canada's three single-stock SpaceX income ETFs. How they differ on fee, covered calls, and exchange. (https://usegreenline.com/articles/spxy-vs-spxe-vs-sxhi)
- SXHI ETF: what the Ninepoint SpaceX HighShares ETF is — SXHI is Ninepoint's single-stock SpaceX ETF, now trading on the TSX with a 0% management fee until September 30, 2026, then 0.29%. Here's how it works and the risks. (https://usegreenline.com/articles/sxhi-etf-explained)
- TUED ETF: what TD Active U.S. Enhanced Dividend ETF is, what it holds, and how it works — TUED is TD's active U.S. dividend ETF. Listed in 2020, 0.73% MER, 26.0% three-year annualized return. Active mandate lets the team skip dividend traps. (https://usegreenline.com/articles/tued-etf-explained)
- URCC ETF: what URCC.TO is, and how the uranium covered-call income works — URCC.TO is the Global X Uranium Covered Call ETF, listed on the TSX in May 2026 at a 0.65% management fee. What it holds, how the covered-call income works, and the trade-offs. (https://usegreenline.com/articles/urcc-etf-explained)
- VGRO vs XGRO: Vanguard's 80/20 versus iShares' — VGRO is Vanguard's 80/20 stocks-and-bonds all-in-one. XGRO is iShares'. Same 80/20 idea, different provider. Here's the honest, small difference between them. (https://usegreenline.com/articles/vgro-vs-xgro)
- VIGG ETF: what the Vanguard Developed ex-North America Dividend Appreciation Index ETF is — VIGG is Vanguard Canada's international dividend-growth ETF, listed on the TSX June 2026. 0.28% fee, tracks developed-market companies (outside Canada and the U.S.) that keep raising dividends. (https://usegreenline.com/articles/vigg-etf-explained)
- VUDH ETF: what the Vanguard U.S. High Dividend Yield Index ETF (CAD-Hedged) is — VUDH is the CAD-hedged version of Vanguard Canada's U.S. high-dividend ETF on the TSX, 0.28% fee. It removes the U.S. dollar swing. Here's how it works and VUDH vs VUDV. (https://usegreenline.com/articles/vudh-etf-explained)
- VUDV ETF: what the Vanguard U.S. High Dividend Yield Index ETF is, and VUDV vs VUDH — VUDV is Vanguard Canada's U.S. high-dividend ETF on the TSX, unhedged, 0.28% fee, tracking the FTSE High Dividend Yield Index of 560+ U.S. stocks. Here's how it works and how it compares to the hedged VUDH. (https://usegreenline.com/articles/vudv-etf-explained)
- XEQT vs GEQT: iShares' all-equity ETF versus its ESG-screened sibling — XEQT and GEQT are both iShares all-equity one-ticker portfolios. GEQT adds an ESG screen for about 5 basis points. Here's the honest difference between them. (https://usegreenline.com/articles/xeqt-vs-geqt)
- XEQT vs VEQT vs XGRO: which all-in-one ETF is right for you? — XEQT vs XGRO, XEQT vs VEQT, VEQT vs XGRO. The three most popular all-in-one ETFs in Canada, compared side by side. What's actually different and how to pick one. (https://usegreenline.com/articles/xeqt-vs-veqt-vs-xgro)
- XEQT vs XGRO: which BlackRock all-in-one ETF is right for you? — XEQT is 100% equity. XGRO is 80/20 stocks and bonds. Same BlackRock manager, same MER, different volatility. Here's how to pick the right one. (https://usegreenline.com/articles/xeqt-vs-xgro)
- XGRO ETF: what iShares Core Growth ETF Portfolio is, what it holds, and how it works — XGRO is iShares' 80/20 one-ticker growth portfolio ETF. About 0.20% MER, roughly $4.9B in assets, automatically rebalanced. Here's what's inside. (https://usegreenline.com/articles/xgro-etf-explained)
- XGRO vs VEQT: the bond allocation is the real question — XGRO is iShares' 80/20 stocks-and-bonds all-in-one. VEQT is Vanguard's 100% equity all-in-one. The provider difference is minor; the bond allocation is the decision. (https://usegreenline.com/articles/xgro-vs-veqt)
- ZEQT vs XEQT: BMO's all-equity versus iShares' — ZEQT is BMO's all-equity all-in-one (0.21% MER). XEQT is iShares' (around 0.20%). Both are 100% cap-weighted global equity. Here's the honest, small difference between them. (https://usegreenline.com/articles/zeqt-vs-xeqt)
- ZMID.U ETF: what BMO S&P U.S. Mid Cap Index ETF is, what it holds, and how it works — ZMID.U is BMO's S&P U.S. Mid Cap 400 tracker, USD-denominated. Listed 2020, 0.17% MER, 15.3% three-year return. The cheapest U.S. mid-cap here. (https://usegreenline.com/articles/zmid-etf-explained)
- ZMPI: the BMO Market+ International Equity Fund, explained — ZMPI extends BMO's Market+ suite to international stocks, trading on Cboe Canada since June 25, 2026 at a 0.25% fee. Here's how the systematic tilt works. (https://usegreenline.com/articles/zmpi-etf-explained)

### Tax
- How to read your T3 and T5 slips — Those tax slips from your brokerage look like gibberish. Here's what the boxes actually mean and what to do with them. (https://usegreenline.com/articles/how-to-read-t3-t5-slips)
- How to report capital gains on your Canadian tax return — A plain-English walkthrough of Schedule 3, T5008 slips, and how to report investment gains and losses to the CRA. (https://usegreenline.com/articles/reporting-capital-gains-tax-return)

### The Account Maze
- FHSA vs RRSP Home Buyers' Plan: which is better for your down payment? — A clear comparison of Canada's FHSA and RRSP Home Buyers' Plan for first-time buyers. Contribution limits, withdrawal rules, and when each one makes sense. (https://usegreenline.com/articles/fhsa-vs-rrsp)
- How much can you withdraw to buy a house? — Between the RRSP HBP, FHSA, and TFSA, first-time buyers can pull over $100K tax-free. Here's how the math works and what to watch for. (https://usegreenline.com/articles/registered-account-home-withdrawal)
- RESPs: the account with free government money — The RESP gives you a guaranteed 20% return on the first $2,500 you contribute each year, courtesy of the government. Here's how it works. (https://usegreenline.com/articles/resp-explained)
- RRSP contribution limit and deadline for 2026 — The 2026 RRSP contribution limit is $33,810 or 18% of your 2025 earned income, whichever is lower. Deadline March 1, 2027. How to check your real room, the 18% rule, and common mistakes. (https://usegreenline.com/articles/rrsp-contribution-limit-2026)
- RRSP withdrawal rules: what happens when you take money out — Contributing to your RRSP gets all the attention. The withdrawal side gets less attention, and the tax hit can be a surprise. (https://usegreenline.com/articles/rrsp-withdrawal-rules)
- Spousal RRSPs: when sharing an account helps — If one spouse earns significantly more than the other, a spousal RRSP can save your household thousands in taxes during retirement. Here's how it works. (https://usegreenline.com/articles/spousal-rrsp-explained)
- TFSA contribution room: how it works — TFSA contribution room sounds simple until you accidentally over-contribute and get a penalty. Here's how the system works and mistakes to avoid. (https://usegreenline.com/articles/tfsa-contribution-room)
- TFSA over-contribution: how it happens and how to fix it — The CRA charges 1% per month on excess TFSA contributions. Here's how people accidentally over-contribute, and what to do if it happens to you. (https://usegreenline.com/articles/tfsa-over-contribution-fix)
- TFSA vs FHSA: where to put your money if you're saving for a home — Both accounts grow tax-free, but the FHSA adds a tax deduction. Here's how to decide which one to prioritize when saving for a home in Canada. (https://usegreenline.com/articles/tfsa-vs-fhsa)
- TFSA vs RRSP: Which should you max out first? — The classic Canadian investing question. A clear, no-jargon breakdown of when to prioritize your TFSA, when to lean into your RRSP, and why it depends. (https://usegreenline.com/articles/tfsa-vs-rrsp)
- The FHSA explained: Canada's newest account — The First Home Savings Account launched in 2023 and many Canadians still don't understand it. Here's how it works and whether it makes sense for you. (https://usegreenline.com/articles/fhsa-explained)
- The non-registered account, explained — Everyone talks about TFSAs and RRSPs. Almost nobody explains the account you'll eventually need most: the non-registered account. (https://usegreenline.com/articles/non-registered-account-explained)
- The RDSP explained: Canada's most underused account — The government will match up to 300% of what you contribute. The RDSP is the best deal in Canadian finance, and most people have never heard of it. (https://usegreenline.com/articles/rdsp-explained)
- The RRIF explained: what happens to your RRSP at 71 — Your RRSP has an expiry date. By the end of the year you turn 71, it has to convert to a RRIF. Here's what that means and how minimum withdrawals work. (https://usegreenline.com/articles/rrif-explained)
- What happens to your investments when you separate or divorce — Separation means splitting more than a household. Here's what happens to your TFSA, RRSP, and other investment accounts in a Canadian divorce. (https://usegreenline.com/articles/divorce-and-investments-canada)
- What happens when you inherit an RRSP in Canada — Inheriting an RRSP or RRIF can come with a big tax bill. Here's how it works, what your options are, and how to avoid surprises. (https://usegreenline.com/articles/inherited-rrsp-canada)
- What is a TFSA? (and why it's not a savings account) — A TFSA is not a savings account, even though the name suggests one. It's a container for investments, and the difference is what makes it powerful. Here's the plain-English version. (https://usegreenline.com/articles/what-is-a-tfsa)
- What to do after maxing your registered accounts — You've filled your TFSA, RRSP, and FHSA. Now what? Non-registered accounts, capital gains, tax-loss harvesting, and where to put the overflow. (https://usegreenline.com/articles/after-maxing-registered-accounts)
- Why are Canada's account names so confusing? — TFSA has 'savings' in the name, so people think it's a savings account. RRSP sounds like a form. A rant about naming that costs Canadians money. (https://usegreenline.com/articles/confusing-canadian-account-names)

### The Big Picture
- Active vs passive investing: what the data says and what it misses — Most active funds underperform over time. But 'most' isn't 'all.' Here's an honest look at both approaches for Canadian investors. (https://usegreenline.com/articles/active-vs-passive-investing)
- Building a portfolio that doesn't need babysitting — You want to invest but you don't want a second job. Here's what a low-maintenance portfolio actually looks like, and how little it takes to keep it running. (https://usegreenline.com/articles/building-a-portfolio-that-doesnt-need-babysitting)
- CPP and OAS explained: Canada's retirement benefits — Every paycheque, you contribute to CPP. But most Canadians don't know how much they'll actually get, or when to start collecting. Here's the full picture. (https://usegreenline.com/articles/cpp-oas-explained)
- Individual stocks vs ETFs: how to think about both — Most Canadians are told to pick one approach. Here's what it actually looks like to hold both, and how to decide what role each plays in your portfolio. (https://usegreenline.com/articles/individual-stocks-vs-etfs)
- The one-ETF portfolio: is it really enough? — People say 'just buy XEQT' like it's the answer to everything. But can one fund really be your whole portfolio? For most people, genuinely yes. (https://usegreenline.com/articles/one-etf-portfolio)
- What to do with an inheritance or financial windfall — You've come into a large sum of money you didn't expect. The worst thing you can do is rush. Here's how to think through it, step by step. (https://usegreenline.com/articles/investing-an-inheritance)
- When to consolidate brokerages (and when not to) — You have accounts at three different places. Should you move everything to one? Sometimes yes, sometimes no. Here's how to think through it. (https://usegreenline.com/articles/when-to-consolidate-brokerages)
- When to take CPP: 60, 65, or 70? — Taking CPP at 60 cuts it about 36%. Waiting to 70 raises it about 42%. Here's how to think about CPP and OAS timing: breakeven, health, other income, and the OAS clawback. (https://usegreenline.com/articles/when-to-take-cpp)

### The Fine Print
- Capital gains tax in Canada: what you actually owe — You sold an investment for a profit. Now the CRA wants a cut. Here's how capital gains tax works, what the inclusion rate means, and how to minimize it. (https://usegreenline.com/articles/capital-gains-tax-canada)
- Currency-hedged ETFs: do you actually need them? — Are you losing money to currency swings without realizing it? Some ETFs hedge that out, others don't. Here's how to tell and why the answer for most Canadians is simple. (https://usegreenline.com/articles/currency-hedged-etfs)
- How dividends work (and get taxed) in Canada — The first time I received a dividend, I didn't know what it was. Here's what dividends are, how Canadian dividend tax works, and what to watch for. (https://usegreenline.com/articles/dividends-canada)
- How to calculate your adjusted cost base (ACB) — Every time you buy, sell, or reinvest, your cost base changes. Here's how ACB works in Canada, why it matters, and how to track it. (https://usegreenline.com/articles/adjusted-cost-base-canada)
- Investment tax in Canada, simplified — You sold something, got a T3, and have no idea what to do with it. Here's how investment taxes actually work, without the jargon. (https://usegreenline.com/articles/investment-tax-canada-simplified)
- Norbert's Gambit on Wealthsimple: the step-by-step — Wealthsimple now does Norbert's Gambit in beta: a flat $9.95 DLR journal, web only. Step-by-step, the journaling fee, and when it beats the 1.5% FX fee. (https://usegreenline.com/articles/norberts-gambit-wealthsimple)
- Norbert's Gambit: the Canadian currency hack — Norbert's Gambit converts CAD to USD near mid-market, not a 1.5% to 2.5% FX markup. How it works and which brokers support it, Wealthsimple included in 2026. (https://usegreenline.com/articles/norberts-gambit)
- Not all ETFs are created equal — ETFs have become shorthand for 'low-cost, passive investing.' But some charge fees that would make a mutual fund blush. Here's how to tell the difference. (https://usegreenline.com/articles/not-all-etfs-are-passive)
- Phantom distributions: tax on unreceived money — Phantom distributions force Canadian investors to pay capital gains tax on ETFs and mutual funds even when the fund lost money. Here's how they work and how to avoid surprises. (https://usegreenline.com/articles/phantom-distributions-tax)
- Return of capital: not the distribution it seems — That distribution you received might not be income at all. Here's what return of capital means, how it affects your taxes, and why it matters. (https://usegreenline.com/articles/return-of-capital-explained)
- T1135: the foreign income form you might miss — If you hold over $100,000 in foreign property, including US stocks and ETFs, you may need to file a T1135 with the CRA. It's easy to miss. (https://usegreenline.com/articles/t1135-foreign-income-canada)
- Tax-loss harvesting in Canada — Selling at a loss on purpose sounds wrong. But in a non-registered account, it can save you real money at tax time. Here's how it works. (https://usegreenline.com/articles/tax-loss-harvesting-canada)
- The Smith Manoeuvre: making your mortgage tax-deductible — In Canada, mortgage interest isn't tax-deductible. Unless you restructure things. The Smith Manoeuvre is legal, effective, and not for everyone. (https://usegreenline.com/articles/smith-manoeuvre-canada)
- What to do when you've never tracked your ACB — You've been investing for years and never tracked your adjusted cost base. Tax season is here and you're panicking. It's fixable. Here's how. (https://usegreenline.com/articles/never-tracked-your-acb)
- What you're actually paying in investment fees — Too many investors have no idea what they're paying in fees. MERs, trading commissions, currency conversion. Here's where your money is quietly going. (https://usegreenline.com/articles/investment-fees-canada)
- Why your investment returns are so confusing — Simple returns vs. time-weighted vs. money-weighted. Why the number your brokerage shows might not mean what you think. (https://usegreenline.com/articles/why-investment-returns-are-confusing)
- Withholding tax on US dividends in Canada — US-listed stocks face a 15 percent withholding tax on dividends in TFSAs and taxable accounts, but RRSPs are exempt under the Canada-US tax treaty. Here's what gets taxed, what doesn't, and how to position US holdings. (https://usegreenline.com/articles/us-dividend-withholding-tax)

### The Long Game
- Best way to track your portfolio in Canada — We built a portfolio tracker, so we're biased. But here's an honest look at every approach: spreadsheets, brokerage tools, bank-linked apps, and more. (https://usegreenline.com/articles/best-portfolio-tracker-canada)
- Can't keep up with personal finance? It's not you — New accounts, new rules, new tax treaties that only apply to some accounts. Personal finance keeps changing, and nobody's sending you a memo. (https://usegreenline.com/articles/cant-keep-up-with-personal-finance)
- Do you even need a portfolio tracker? — Maybe not. If you have one account and one ETF, your brokerage is fine. But the moment things get complicated, here's when a tracker starts to matter. (https://usegreenline.com/articles/do-you-need-a-portfolio-tracker)
- Do you know how your portfolio is actually doing? — Most investors can't answer this. Your brokerage shows a number, but it might not mean what you think. Here's what's really going on. (https://usegreenline.com/articles/do-you-know-how-your-portfolio-is-doing)
- Do you know what you actually own? — Most people can't tell you their portfolio breakdown. Exposure drifts silently. You think you're diversified but you might be 60% tech. (https://usegreenline.com/articles/do-you-know-what-you-own)
- Dollar-cost averaging vs. lump sum investing — Vanguard's research found lump sum investing beats dollar-cost averaging about two thirds of the time, with an average gap of 2.3 percent. What the study says, what it leaves out, and which approach fits your situation. (https://usegreenline.com/articles/dollar-cost-averaging-vs-lump-sum)
- Home market bias: over-investing in Canada — Canada is 3% of global markets. How much of your portfolio is Canadian? Here's why most of us over-invest at home, when it makes sense, and when it costs you. (https://usegreenline.com/articles/home-market-bias)
- How much do you actually need to retire in Canada? — There's no single number. But there are frameworks, rules of thumb, and Canadian-specific factors that help you figure out your own answer. (https://usegreenline.com/articles/how-much-to-retire-canada)
- If you're waiting for a crash to buy in, you probably won't — A lot of people say they'll invest when the market drops. But crashes don't feel like sales. They feel like the world is falling apart. That's why the plan never works. (https://usegreenline.com/articles/if-youre-waiting-for-a-crash)
- Investing a non-profit's reserves in Canada — Most Canadian non-profits keep their reserves in a basic savings account. GIC laddering, HISAs, and a few small changes can make that money work harder without risk. (https://usegreenline.com/articles/investing-non-profit-reserves)
- Just buy XEQT? The one-ETF strategy explained — 'Just buy XEQT' has become the go-to answer in Canadian investing. Here's what XEQT actually holds, why it works for most people, and when you want more. (https://usegreenline.com/articles/just-buy-xeqt)
- Miss the worst days, miss the best ones too — The biggest single-day gains in market history all happened during periods that felt like the world was ending. Here's why that matters. (https://usegreenline.com/articles/best-days-hide-inside-the-worst)
- Most millionaires are boring — The largest study on millionaires found that most earned under $100K, never took a business loan, and just contributed to their retirement accounts. The Canadian version of this story is even more accessible. (https://usegreenline.com/articles/most-millionaires-are-boring)
- Rebalancing: what it means and when to do it — Your portfolio drifts over time, and if you never fix it, you might be taking on way more risk than you signed up for. (https://usegreenline.com/articles/rebalancing-portfolio)
- Small percentages, big differences — Why 0.9% and 0.05% look like the same number but aren't. How fees are written in a format designed to look small. The eyes-skip-right-past-them problem. (https://usegreenline.com/articles/small-percentages-big-differences)
- The multi-account problem — TFSA here, RRSP there, spouse's account somewhere else. No single place shows you the whole picture. You're making decisions without seeing the full board. (https://usegreenline.com/articles/the-multi-account-problem)
- The trades that got you here — You remember the losses. You remember the panic. But what about the trades that worked? Most investors never look back at what went right. (https://usegreenline.com/articles/the-trades-that-got-you-here)
- Time in the market beats timing the market — Staying invested through downturns almost always beats trying to buy low and sell high. Here's why the boring strategy wins. (https://usegreenline.com/articles/time-in-the-market)
- Time-weighted vs. money-weighted returns, explained simply — Two ways to measure your investment returns. They can tell completely different stories. Here's what each one means and which one matters more for you. (https://usegreenline.com/articles/time-weighted-vs-money-weighted-returns)
- We budget our coffees but not our portfolios — People track small spending obsessively but ignore the financial decisions that actually matter. The latte math everyone does vs. the fee math nobody does. (https://usegreenline.com/articles/we-budget-our-coffees)
- What 'I'm up 3%' really means — Why headline returns hide more than they reveal. One stock climbing masks another's decline. Fees, dividends, and timing all muddy the picture. (https://usegreenline.com/articles/what-im-up-3-percent-means)
- What a bad month teaches you — A bad month in the market isn't an intellectual exercise. It's a full-body experience. Here's what panic actually feels like, and what reviewing your worst moments teaches you. (https://usegreenline.com/articles/what-a-bad-month-teaches-you)
- What a market crash looks like from the inside — What do market crashes actually look like in the numbers? How bad do they get, how long do they last, and what does the historical record say about recovery? (https://usegreenline.com/articles/what-a-market-crash-looks-like)
- What to look for in a portfolio tracker — Most portfolio trackers are really just balance aggregators. Here's what actually matters if you want to understand how your investments are doing. (https://usegreenline.com/articles/what-to-look-for-in-a-portfolio-tracker)
- What your brokerage app isn't telling you — Your brokerage shows you a number. But it's missing context that changes how you'd think about your investments. Here's what's left out. (https://usegreenline.com/articles/what-your-brokerage-isnt-telling-you)
- Why most portfolio trackers want your bank login — It's not just about convenience. Here's how bank linking actually works, what happens to your credentials, and why some trackers skip it entirely. (https://usegreenline.com/articles/why-portfolio-trackers-want-your-bank-login)
- Why you should keep a record — The case for documenting your investment decisions. Years of history vs. 'I think I bought that in 2019.' One of those is useful. (https://usegreenline.com/articles/why-you-should-keep-a-record)
- You don't need a live bank sync — The obsession with real-time bank syncing misses the point. What matters is having years of investment history you can learn from. (https://usegreenline.com/articles/you-dont-need-a-live-bank-sync)
- Your house is not a retirement plan — An entire generation built their retirement around rising home prices. That playbook is breaking down, and the next generation needs a different one. (https://usegreenline.com/articles/housing-as-retirement-plan)
- Your portfolio is one thing, not five accounts — You don't have five portfolios. You have one portfolio spread across five accounts. That mental shift changes how you make every investment decision. (https://usegreenline.com/articles/your-portfolio-is-one-thing)

### Your First Moves
- Are ETFs actually better than mutual funds? — The average Canadian mutual fund charges 1.33 percent; the average ETF charges 0.66 percent. Real differences, when each is better, and why the vehicle matters less than the cost. (https://usegreenline.com/articles/etfs-vs-mutual-funds)
- Brokerage comparison: what to look for in Canada — Big-bank brokerages vs independents like Wealthsimple and Questrade, compared on what actually costs you: trading fees, FX markups, and inactivity charges. (https://usegreenline.com/articles/brokerage-comparison-canada)
- Compound interest: the only chart that matters — Einstein probably never called it the eighth wonder of the world. But the math is still remarkable. Here's why starting early matters more than starting big. (https://usegreenline.com/articles/compound-interest-explained)
- Emergency fund: how much you need before you start investing — Before you open a brokerage account, you need money you can access without selling investments at the worst possible time. Here's how to think about it. (https://usegreenline.com/articles/emergency-fund-before-investing)
- GICs vs high-interest savings: where to park your cash — You have money sitting in chequing and you know it should be somewhere else. Here's the difference between GICs and HISAs, and when each makes sense. (https://usegreenline.com/articles/gics-vs-hisa)
- How much do you need to start investing? — The '$1,000 minimum' is a myth that keeps people on the sidelines. Here's what Canadian brokerages actually require to open an account and start. (https://usegreenline.com/articles/how-much-to-start-investing)
- How to read your brokerage statement — It's more common than you'd think to get a brokerage statement and just ignore it. Here's what all those numbers mean, and why it's worth five minutes. (https://usegreenline.com/articles/how-to-read-brokerage-statement)
- How to start self-directed investing in Canada — You don't need a financial advisor to invest in Canada. Here's how to open a self-directed account, pick your first investments, and actually get started. (https://usegreenline.com/articles/self-directed-investing-canada)
- Investing in your 20s in Canada: what I wish I'd known — I started investing at 22 and still regret the four years I missed. Here's everything I'd tell my younger self about getting started. (https://usegreenline.com/articles/investing-in-your-20s-canada)
- Should I invest if I have credit card debt? — Investing returns roughly 7% a year over the long term. Credit card debt costs around 20%. The math isn't close. Here's the full decision framework, including where mortgages and student loans fit. (https://usegreenline.com/articles/should-i-invest-with-credit-card-debt)
- The most common mistakes new Canadian investors make — Every investor makes mistakes early on. Here are the ones I see most often, the ones I made myself, and how to avoid letting them cost you real money. (https://usegreenline.com/articles/common-investing-mistakes-canada)
- The order of financial priorities for Canadians — A clear, ordered map for Canadians: which debt to pay off, when to start an emergency fund, when to take an employer match, and when each registered account fits. (https://usegreenline.com/articles/order-of-financial-priorities-canada)
- Wealthsimple vs Questrade: which Canadian brokerage is right for you? — Wealthsimple is cheaper and simpler for buy-and-hold ETF investing. Questrade wins for active traders, options, and USD accounts. The honest 2026 breakdown of fees, FX, and accounts. (https://usegreenline.com/articles/wealthsimple-vs-questrade)
- What financial advisors actually do (and cost) — Financial advisors in Canada charge 1 to 2.5 percent a year. DIY through an all-in-one ETF costs 0.20 percent. Robo-advisors sit in between. Which is worth it for your situation. (https://usegreenline.com/articles/financial-advisors-canada)
- What happens to your money when you hit 'buy' — You tap 'buy' on your brokerage app and the money disappears. Here's what actually happens behind the scenes, in plain terms. (https://usegreenline.com/articles/what-happens-when-you-buy)
- Where to start as a new Canadian investor — Not sure where to begin? This is my recommended reading order for anyone starting from scratch. (https://usegreenline.com/articles/where-to-start-investing-canada)
<!-- GUIDES_END -->

## Common questions

**How do Canadians track their portfolio without linking a bank?**
Canadian self-directed investors track a portfolio without linking a bank by uploading their brokerage statements, CSV exports, or screenshots to a tracker like Greenline, which organizes holdings, returns, and fees in one place. Nothing connects to a bank or brokerage login, so the bank's fraud protection stays intact. Greenline covers the major Canadian brokerages and every registered account type (TFSA, RRSP, FHSA, RRIF, and more), and setup takes a few minutes per account.

**Is Greenline free?**
Yes, free during beta with no credit card required. Paid plans will launch later; beta members get advance notice and grandfathered pricing.

**Does Greenline link to my bank or brokerage?**
No. You upload statements (PDF, CSV, or screenshots) and Greenline parses them. No banking credentials are shared, and your bank's fraud protection stays intact.

**Which Canadian brokerages does Greenline support?**
First-class parsers for Wealthsimple Trade, Wealthsimple Invest, Questrade, RBC Direct Investing, TD Direct Investing, BMO InvestorLine, Scotia iTRADE, National Bank Direct Brokerage, CIBC Investor's Edge, and Interactive Brokers Canada. Other Canadian brokerages typically work via the general AI parser.

**Can I use Greenline if I'm not Canadian?**
Yes. Greenline is Canada-first, but no longer Canada-gated. Non-Canadian investors can use it, though account-type coverage and tax features are designed for Canadians.

**How do I sign up?**
Sign-in is via Google or Apple OAuth only. Greenline does not offer email and password sign-in. Start at https://app.usegreenline.com.

**Is my data sold or shared?**
No. Revenue is subscription-only. No referral fees, no commissions, no data sold.

**Does Greenline give financial advice?**
No. Greenline is a tracking and analysis tool, not a registered advisor, brokerage, or portfolio manager.

## Glossary

100+ Canadian-investing terms defined; index at https://usegreenline.com/glossary

## Links

- Website: https://usegreenline.com
- How it works: https://usegreenline.com/how-it-works
- Why Greenline: https://usegreenline.com/why-greenline
- Canadian account types Greenline supports: https://usegreenline.com/canadian-account-types
- Greenline at a glance (compared with alternatives): https://usegreenline.com/compare/greenline-at-a-glance
- Articles: https://usegreenline.com/articles
- Glossary: https://usegreenline.com/glossary
- Support: https://usegreenline.com/support
- Sign up: https://app.usegreenline.com
- Full LLM-readable corpus: https://usegreenline.com/llms-full.txt

## Contact

support@usegreenline.com

## Last updated

2026-05-11