Waiting for the "right time" to invest is costing you more than you think. Dollar-cost averaging is the strategy that makes starting simple — even if investing scares you.

Your emergency fund could be earning $275 a year instead of $1, and switching takes about fifteen minutes. Here's the real math on HISA rates in Canada for 2026, and the HISA vs TFSA mix-up that's quietly costing Canadians money.