Issue 85 · Investing
The math is mathing
A dollar in XIC in 1980 is worth $47 today — tax-sheltered in a TFSA. The hard part was never the math.
You were taught to be afraid of losing money in the markets. No one taught you about the cost of doing nothing while inflation eats 3.4% a year of your HISA. Here's a breakdown of compound returns in the TSX over 44 years — and why max'ing your TFSA ($7,000 for 2025) and RRSP room before chasing a side hustle is the single highest-ROI move most Canadians under 40 are ignoring. Time in the market crushes timing the market, every cycle, in every currency.