The base contribution rate falls to 9.5% in 87 days, the Chief Actuary has cleared it, and the long-run asset cost is real. The planning window is TFSA room, the March 1 RRSP deadline and the new five-year HBP grace period.

Loss aversion, the availability heuristic and myopic loss aversion all point at the same problem: a slow drift below a remembered high does more behavioural damage than a headline.

Swaps price 7 basis points for October 28 and bank forecasts top out at 2.50% for year end, yet the two-year yield implies far more, and the TSX has lagged the S&P 500 by 2.8 points since September 4.

Rising bond yields and a deal-driven drop in Canada's largest oil sands name pushed the S&P/TSX Composite to 35,445.54 on ordinary volume.

The Hormuz risk premium has shifted from missing barrels to attacks on ships, and the Canadian consequences run through the loonie, the CPI and a C$5.7 billion oil sands deal.

Bond markets price multiple hikes after the Bank dropped its appropriate-level language, yet August brought 42,000 job losses and a core inflation wrinkle.

The last 2026 trade date is December 30, the superficial loss rule can erase a loss repurchased inside a TFSA or RRSP, and the bracket sets what a harvested loss is worth.

Retail clients have been net sellers of U.S. equities for nine weeks while bond losses sit unrealized, a split behavioural finance described in 1985.

Canadian growth was flat, yet yields pushed toward 4 per cent and the TSX lost four sessions in a row. Friday payrolls showed where the Bank of Canada rate path was really being set.

Equities priced relief on Friday, but Treasury yields and USD/CAD closed higher, and the currency has done more to separate Canadian portfolio returns since August 26 than any move in the TSX.

The index fell 0.23% on October 1, sits 5.16% below its August high and lost 2.85% in September, as materials and financials fell on higher yields while energy and technology gained.

WTI closed at $89.38 on September 29, 12.8% below its September 10 close, as Saudi pipeline repairs and reserve releases outweighed a rejected ceasefire proposal and a growing US naval presence.

The Government of Canada 2-year yield closed near 3.26% on October 1 against a 2.25% policy rate held for seven straight decisions, and traders priced an October hike near a coin flip in mid-September.

The 12 best 5-year GIC rates sit between 4.17% and 4.45% against a Government of Canada 5-year yield of 3.60%, and the same rise in yields has opened a year-end loss-selling window.

The VIX closed at 16.39, 5.4 points below its 25-year October average, while the 10-year Treasury yield touched its highest level since 2002.

WTI crude rose from $69.50 to $89.38 between June 30 and September 29 while USD/CAD moved from 1.4210 to 1.4188, and the widening gap between US and Canadian two-year yields tracks the currency far more closely than oil does.