Prospyr Journal

Investor-grade writing for Canadian income builders

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

116 postsCanadian contextDRIP and dividend focused
All topicsDRIP13Tax22Planning32Strategy49Showing 32 posts matched to planning.

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EducationJuly 10, 2026

Home appreciation in Canada: how to estimate your property's growth using CMHC data

Estimate home appreciation in Canada using CMHC data, compound-growth math, regional scenarios, renovation adjustments, and detailed net-equity calculations.

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PlanningJuly 9, 2026

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

See how much you need to earn $1,000 a month in dividends in Canada, with portfolio targets, account limits, tax treatment, and cash-flow planning math.

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PlanningJuly 8, 2026

How much do you need to earn $500 a month in dividends in Canada?

Calculate how much you need to earn $500 a month in dividends in Canada, including yield scenarios, TFSA capacity, taxes, and monthly payment timing math.

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PlanningJuly 7, 2026

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

Learn how much you need to earn $100 a month in dividends in Canada, with capital targets at four yields, account-specific tax, and payment timing math.

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EducationJuly 6, 2026

Ex-dividend date vs payment date in Canada: what the difference means for your income

Learn ex-dividend date vs payment date in Canada with a worked timeline showing who receives the dividend, when cash arrives, and how to plan spending.

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EducationJuly 5, 2026

Why your dividend has not shown up yet in Canada

Find out why your dividend has not shown up in Canada by checking ex-dividend timing, payment dates, DRIP processing, currency, and brokerage records.

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PlanningJuly 4, 2026

Monthly vs quarterly dividend schedules in Canada: which is better for income planning

Compare monthly vs quarterly dividend schedules in Canada using cash-flow, DRIP, tax, and reserve math to choose the better fit for your income plan today.

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PlanningJuly 3, 2026

How to build 12-month dividend coverage in Canada

Build 12-month dividend coverage in Canada by mapping payment months, measuring expense gaps, and setting a practical reserve for uneven portfolio income.

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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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