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For full details about changes in deposit insurance, see the Notice Pursuant to the Disclosure on Continuance Regulations.
For full details about changes in deposit insurance, see the Notice Pursuant to the Disclosure on Continuance Regulations.
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Welcome to the Prospera Wealth Review, where we round up the best wealth advice available and deliver it to you every quarter.Prospera Wealth Review Newsletter - Issue 10
November 2025In this issue:
Wrap up the year right: Make 2026 the year your money works harder
Important financial dates for Canadians in 2026
Tax Filing Deadlines
- April 30: Deadline for most Canadians to file personal income tax returns and pay any taxes owed
- June 15: Deadline for self-employed individuals and their spouses to file tax returns (tax payment still due April 30)
RRSP Deadlines and Limits
- March 2: Deadline to contribute to RRSPs for the 2025 tax year
- Note: RRSP contribution limit for 2025 is $32,490 or 18% of 2025 earned income, less any pension contributions
TFSA Deadlines and Limits
- 2026 contribution room: $7,000
- Lifetime contribution limit (for those eligible since 2009): $109,000
Important reminders:
- Over the your lifetime, the most you can deduct from your income as a FHSA deduction is $40,000. Learn more about a FHSA here.
- Unused TFSA contribution room carries forward to the following year.
2025 Bank of Canada interest rate announcements |
|
| December 10 |
Other 2025 Important Dates |
|
| December 31: Deadline for TFSA, FHSA, RESP, and RDSP contributions for the 2025 tax year and to be eligible for any grants or bonds | |
| December 31: Deadline for charitable contributions to be eligible for 2025 tax credits | |
| December 31: Deadline to convert RRSP to RRIF for those who turned 71 by end of the year |
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Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.
Qtrade Guided Portfolios is a division of Aviso Financial Inc.
Online brokerage services are offered through Qtrade Direct Investing, a division of Aviso Financial Inc.
NEI Investments is a registered trademark of Northwest & Ethical Investments L.P. Aviso Financial Inc. and Northwest & Ethical Investments L.P. are all wholly owned subsidiaries of Aviso Wealth Inc.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual funds, other securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated.
Qtrade Guided Portfolios is a division of Aviso Financial Inc.
Online brokerage services are offered through Qtrade Direct Investing, a division of Aviso Financial Inc.
NEI Investments is a registered trademark of Northwest & Ethical Investments L.P. Aviso Financial Inc. and Northwest & Ethical Investments L.P. are all wholly owned subsidiaries of Aviso Wealth Inc.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual funds, other securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated.