Wealthsimple is one of Canada’s fastest growing and most trusted money management platforms. The company offers a full suite of simple, sophisticated financial products across managed investing, do-it-yourself trading, cryptocurrency, tax filing, spending and saving. Wealthsimple currently serves 3 million Canadians and holds over $70-billion assets. The company was founded in 2014 by a team of financial experts and technology entrepreneurs, and is headquartered in Toronto, Canada. To learn more, visit www.wealthsimple.com.

Wealthsimple Advisors

Wealthsimple is one of Canada’s fastest growing and most trusted money management platforms. The company offers a full suite of simple...

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Wealthsimple Advisor Insights | Wealthsimple

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Answers to your biggest RRSP questions

How to make the most out of your RRSP

Welcome to RRSP season. (It’s almost as exciting as tax season!) This time of year, our team receives even more questions than usual from clients trying to make the most of their retirement savings. In case you are going through something similar, we’re addressing one big (and too-frequent) RRSP misunderstanding that can cost you thousands — both in tax savings and eventual retirement income — and answering some of the most common questions we get. And in case you were wondering how much your RRSP savings today can pay off in the future, we also made a chart! Let’s get to it.

Master the 6 financial pillars every physician needs: cash flow, debt strategy, tax basics, investing, incorporation, and retirement planning. Get the foundation medical school never taught you.

Financial Literacy for Physicians: A Practical Guide | Wealthsimple

A simple, practical foundation for making confident money decisions throughout your medical career

Intro to Financial Literacy for Physicians

A question for the doctors in the house: When you think back on the hours spent studying anatomy, biochem, microbiology, pathology, epidemiology, and the rest, how much instruction did you receive on the financial aspects of becoming a physician? As healthcare specialists, you face some of the most complex personal and corporate financial decisions in Canada — yet the financial basics rarely come up, not in medical school, not in residency, and not once you start earning real income.

Learn how to grow wealth inside your medical professional corporation with tax-efficient strategies. Discover when corporate investing makes sense, optimal investment placement, and how to avoid common pitfalls that cost physicians thousands.

Corporate Investing Guide for Physicians | Wealthsimple

How to grow wealth inside your medical professional corporation (PC) — efficiently, strategically, and with confidence

Corporate Investing Guide for Physicians

For many physicians, the professional corporation (PC) serves as the jumpstart for long-term wealth creation.

Despite the geopolitical turmoil and fears of stocks being overvalued last year, investors who stayed in the markets were rewarded handsomely.

A quiet end to a strong year | Q4 performance update

A quiet end to a strong year

A quarterly performance update

Despite the geopolitical turmoil and fears of stocks being overvalued last year, investors who stayed in the markets were rewarded handsomely. Equities returned well above long-term expectations, thanks mostly to AI’s continued boost to earnings growth and capital investments. And while rate cuts fell slightly short of the aggressive predictions made at the start of the year, they still provided additional tailwinds.

Large RRSPs can trigger major tax risks in retirement including OAS clawbacks, survivor tax traps, and estate tax bills. Learn proactive strategies to protect your savings.

Your RRSP May Be Too Big: Tax Risks & Withdrawal Strategies

Your RRSP may be too big

Tax risks and withdrawal strategies

You and your spouse have been disciplined savers and have built up a significant amount in your Registered Retirement Savings Plan (RRSP). You may also have a defined benefit pension plan. By all accounts, you’re in a fantastic position to enjoy retirement.

Why our fund is as strong as ever

Private Credit performance update

In light of some recent negative headlines about private credit, I want to share a complete perspective and address the concerns we’ve heard from some investors.

How gold reacts to different market conditions, what it can do for a portfolio, and how to invest in it if you’re ready

How to think about gold in your portfolio | Wealthsimple Advisor Insights

How gold reacts to different market conditions, what it can do for a portfolio, and how to invest in it without a pickaxe

How to think about gold in your portfolio

Over the last couple of years, everybody’s favourite pinky-ring metal has been on a very long, very lucrative tear. Between November of 2024 and mid-October of 2025, gold was up more than 100%.

Markets went back to normal — sort of | Weathsimple Advisor Insights

Markets went back to normal — sort of

As you surely need no reminding, the first half of this year was marked by heaps of geopolitical uncertainty and volatility in asset markets. The third quarter, in contrast, was calm — by 2025’s standards anyway. Over the past three months, inflation continued to ease while the global economy remained on track for 3% real annual growth in 2025, which is roughly in-line with the pre-pandemic years. (The Canadian economy bucked the growth trend by contracting 0.1% in June before expanding 0.2% in July, putting it on pace for 1% GDP growth in 2025.)

Plus: How big should your emergency fund be?

Why cash might be your riskiest investment | Wealthsimple Advisor Insights

Why cash might be your riskiest investment

Cash is handy to have around. You can use it to pay for boring, essential stuff — like your mortgage and groceries — and for super-fun things, like a shiny new jetski. It’s also smart to keep some cash in a savings account to ensure you’re able to cover unexpected expenses, like car repairs. That way, you don’t have to take on wealth-annihilating credit-card debt to get by.

Past returns aren’t a plan. SPIVA Canada shows fewer than 1 in 10 funds beat their index over 10 years. Focus on fit, fees, and discipline.

hould You Buy an Outperforming Mutual Fund? Think Again | Wealthsimple Advisor Insights

Hint: Past outperformance isn’t a strategy—focus on fit, fees, and staying the course.

Should I buy a mutual fund that’s outperformed?

Let’s say you own an actively managed mutual fund that has outperformed its benchmark. Well, that’s good! But does the fund’s recent performance mean you should keep holding it? Despite what a lot of people, including some advisors, think, perhaps not. It might seem bonkers to let go of a winning fund — until you look at the data. Let’s dive in.