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Money • Investing
A company can grow its earnings, beat expectations and still deliver disappointing stock returns. Multiple compression explains why investors sometimes pay less for each dollar of profit, turning business growth into an unexpected portfolio loss.
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Norbert’s Gambit is a three-step technique Canadians can use to convert CAD to USD by buying DLR, journalling it to DLR.U, and selling it in U.S. dollars. The approach can reduce retail foreign-exchange spreads, but investors must compare commissions, bid–ask spreads, journalling fees, processing times, account support, and exchange-rate exposure before using it.
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ChatGPT can help investors compare companies, explain financial reports, test investment theses and model valuation scenarios. But it cannot reliably predict stock prices or guarantee winners. This guide explains where AI adds value in stock research, how it can mislead investors, why valuation matters and how to use AI without outsourcing investment judgment.
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Learn how to use ChatGPT as a stock-research assistant rather than a source of buy recommendations. This guide provides six prompts for comparing companies, assessing valuations, identifying risks, reviewing financial reports, modelling investment scenarios and fact-checking AI output. It also explains why a strong business can still be a poor investment at the wrong price.
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Key Takeaways Long term inflation expectations rose in the third quarter of 2026, according to the Bank of Canada. Consumers continued to identify trade tensions, tariffs and energy prices as important inflation concerns. Household spending intentions weakened despite modest improvements in perceived financial health. Bank of Canada Survey Reveals Rising Inflation Worries and Cautious Spending.
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Zoom’s pandemic-era growth illustrates why a successful business can still deliver disappointing investment returns when investors pay too much for future growth. This explainer examines slowing growth, valuation multiple declines and the limits of the PEG ratio, using hypothetical examples to show why earnings gains do not always translate into stock-market gains for shareholders.
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The Canadian dollar remains under pressure as markets watch interest rates and Canada’s labour market, with official exchange-rate data showing a recent rise in the US dollar’s Canadian value ahead of September employment figures due for release Friday in Canada.
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Vanessa had $100,000 and one year to become a millionaire. She invested in Bitcoin, the S&P 500, and house flipping. One investment delivered an extraordinary return, but did she reach her $1 million dream?
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Owning several investment funds does not automatically mean your portfolio is diversified. This illustrative guide explains how overlapping holdings can create hidden exposure to the same companies, why fund names can be misleading, and how to check your investments for concentration risk. It also shows how to calculate your combined exposure before making portfolio decisions.
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The Canadian dollar faces renewed political uncertainty ahead of Alberta’s October 19 referendum, but Scotiabank maintains a constructive longer-term outlook. Official exchange-rate data shows USD/CAD at 1.4226, highlighting continued sensitivity to domestic politics and broader market conditions.
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The CFTC has proposed a new federal framework for certain retail crypto transactions, including a purpose-built market category and stronger safeguards. The agency is formally seeking public comments, meaning the proposal could still change before any final rules take effect.
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Canada is launching a $1 billion Food-Link Fund to strengthen food distribution, improve competition and support efficient supply chains. The federal program will fund food terminals, regional hubs and infrastructure aimed at connecting producers with markets and improving food affordability.
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Canada's federal, provincial and territorial finance ministers discussed health care funding, U.S. trade measures, internal trade barriers, investment and productivity on October 2, highlighting coordinated efforts to strengthen economic resilience, competitiveness, domestic supply chains and long-term growth across the country.
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A high free-cash-flow figure can mask a weakening business when it is boosted by working-capital timing, deferred capital spending, stock-based compensation or temporary events. This guide explains how to look beyond the headline number, assess whether cash generation can repeat, and use a seven-question test to judge the quality and sustainability of a company’s free cash flow.
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Reported net income can look strong while a company’s underlying cash generation weakens. This guide explains how investors can assess earnings quality by comparing net income with operating cash flow and free cash flow, monitoring accruals such as receivables and inventory, and separating recurring business performance from one-time gains, costs and tax benefits.
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Key Takeaways Statistics Canada released Natural Resource Indicators data for the second quarter of 2026 on September 25. The indicators cover GDP, output, exports, imports and employment within Canada's Natural Resources Satellite Account. The release also includes revised first quarter 2026 data, allowing users to compare updated quarterly information. Statistics Canada Publishes Q2 Natural Resource.
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Canada's general government recorded a $10.5 billion surplus in the second quarter of 2026, up $2.3 billion from a year earlier. Excluding social security funds, however, the general government recorded a $17.2 billion deficit, according to Statistics Canada official data.
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Foreign withholding tax can reduce dividends from U.S. and international ETFs before they reach Canadian investors. Its impact depends on whether investments are held in a TFSA, RRSP or taxable account, as well as an ETF’s domicile and underlying holdings. Understanding these layers can help investors weigh tax efficiency alongside fees, currency conversion costs and portfolio fit.
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Key Takeaways Bitget detected unauthorized transfers worth approximately $351.6 million from some hot wallets on September 24, 2026. The exchange temporarily suspended withdrawals while deposits and trading remained operational. Bitget says cold wallets remain secure and user funds are covered by its User Protection Fund. Bitget Pauses Withdrawals After $351.6M Unauthorized Transfers Crypto exchange Bitget.
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Capital-gains harvesting involves deliberately realizing investment gains during a lower-income year, when the taxable portion of those gains may face lower marginal tax rates. This article explains how the strategy works in Canada, why timing can matter, how losses and adjusted cost base affect planning, and why tax deferral, benefits and account type must also be considered.
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Ethereum is testing its planned Glamsterdam protocol upgrade on devnets, with mainnet deployment targeted for Q4 2026. The proposal package aims to support faster transaction processing, expand capacity and curb database growth, although the final schedule and upgrade scope can still change.
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CVC Capital Partners has appointed John Hourican as Chief Financial Officer, replacing Fred Watt after almost two decades at the firm. The leadership change comes as CVC reports strong first-half momentum, with €153 billion in fee-paying assets under management and €10.8 billion of gross inflows during the first six months of 2026.
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Key Takeaways The reported appointment of Chris Finora to lead JPMorgan's Canadian cash equities trading business has not been confirmed through an official company announcement. JPMorgan's reported Canadian equities expansion would reflect growing interest in Canada's investment market, but the specific expansion plans remain officially unconfirmed. TwikUp should treat the reported executive appointment and related.
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Conagra Brands is asking shareholders to approve its fiscal 2026 executive compensation programme at the company’s September 23, 2026 annual meeting. The company says its pay structure is designed around performance and shareholder interests, while its latest results show continued pressure on the business.
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Deutsche Bank has reached a confidential settlement with former banker Dario Schiraldi over a €152 million lawsuit linked to the bank's past business with Italy's Monte dei Paschi di Siena. The settlement removes a major Frankfurt legal dispute ahead of a scheduled trial.
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JPMorganChase is continuing to build its investment banking business around industries and client segments where it sees opportunities for expansion. Healthcare services is among the high-growth areas the bank has highlighted as it works to deepen relationships and increase its share of client business.
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The Netherlands repositioned about 86 tonnes of gold away from holdings in Canada and the United States, giving London its largest share of Dutch reserves. De Nederlandsche Bank says the move was designed to improve the gold’s tradability and availability during a severe crisis, while keeping the country’s total reserve unchanged at 612.4 tonnes.
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CD Projekt's H1 2026 consolidated net profit rose 37% to PLN 249 million. Revenue increased 23% to PLN 435 million during the first half. The company has set out releases for The Witcher universe through 2028. CD Projekt Reports Strong First Half Results CD Projekt reported an improvement in financial performance for the.
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U.S. technology giants are raising more debt in the euro-area corporate bond market to finance AI and infrastructure investment. The European Central Bank says there is little sign that this has crowded out other borrowers so far, but sustained issuance could lift funding costs and reshape investor portfolios.
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The IMF and Senegalese authorities have reached a staff-level agreement on a three-year economic reform program worth about $2.2 billion. The proposed arrangement comes as Senegal works to strengthen public finances, improve debt management and address financial vulnerabilities. The agreement remains subject to IMF approval and further actions before the program can move forward.
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Key Takeaways The CPTPP accession protocol between Canada and the UK takes effect on September 1, 2026, completing the UK's accession process. Canadian businesses gain additional opportunities in UK goods, services, investment and government procurement. The UK's accession expands the CPTPP to 12 members covering more than 598 million people and 14.4% of global GDP.
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Canada recorded an $8.8 billion current account surplus in the second quarter of 2026, its largest since 2005. The sharp turnaround from an $8.3 billion deficit was driven mainly by stronger goods exports, which reached a record $232.1 billion. Energy exports played a major role, helping strengthen Canada’s overall trade position during the quarter and strengthening its international economic position.
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A $20,000 ETF investment made at age 25 could grow very differently over 40 years depending on returns, risk and time. This illustration compares 4%, 6% and 8% annualized scenarios, while examining volatility, inflation, fees, regular contributions and TFSA rules. It explains why the highest projected balance may not suit every Canadian investor.
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Gold climbed to a three-month high on August 25 as investors assessed inflation concerns and volatility in bond markets. Spot gold briefly approached $4,700 an ounce, while weaker oil prices helped ease some pressure on inflation expectations.
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Startup funding is breaking records in 2026, but the boom is increasingly concentrated among AI giants and mega-rounds. With global investment surging while deal counts fall, many founders face a very different fundraising reality. Here’s where venture capital is flowing, why access remains difficult, and what emerging investment trends could mean for startups heading into 2027 and beyond.
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When the stock market falls, fear can turn temporary losses into permanent mistakes. This guide explains seven practical moves investors can consider, from reviewing their time horizon and emergency fund to checking diversification, rebalancing strategically and avoiding yield traps. Learn how to respond calmly, protect your financial plan and make decisions based on goals rather than frightening headlines alone today.
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Most startups don't fail because the product is bad—they fail because the money runs out first. This guide explains the hidden cash-flow mistakes that quietly destroy promising companies, from burn rate and premature hiring to weak pricing and delayed fundraising. Learn how successful founders extend runway, reach critical milestones and build businesses that survive long enough to truly grow.
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Equity crowdfunding lets startups raise money from customers, supporters and everyday investors without relying entirely on venture capital. This 2026 guide explains how it works, what investors receive, how founders manage dilution and compliance, and the biggest risks for both startups and investors.
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Build a winning startup finance strategy with practical guidance on budgeting, cash flow, burn rate, runway, unit economics, hiring, fundraising, and financial forecasting. This founder-focused guide explains how to allocate capital, avoid common money mistakes, prepare for investors, and give your startup more time to grow.
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Bootstrapping or venture capital—which path is right for your startup? Compare the pros, cons, risks, ownership trade-offs, growth expectations, and real founder scenarios before deciding how to fund your business.
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The next decade could reshape the global economy more than any period since the internet revolution. From artificial intelligence and robotics to semiconductors, clean energy, cybersecurity, biotechnology, and the space economy, discover the industries expected to drive future growth—and learn how long-term investors can identify opportunities before they become mainstream.
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Bootstrapping lets founders build a startup using personal funds, customer revenue and reinvested profits instead of outside investors. This complete 2026 guide explains how bootstrapping works, its advantages, risks, runway calculations, funding alternatives and when raising capital may make more sense.
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Learn what startup burn rate means, how to calculate gross burn, net burn and cash runway, and how founders can use these metrics to make smarter hiring, spending and fundraising decisions.
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Venture debt allows startups to raise capital without immediately selling more ownership. This guide explains how venture debt works, including interest, repayment schedules, warrants, covenants, dilution, lender risk and when founders should use it. Learn how debt can extend runway, support growth milestones and preserve equity—while creating serious repayment obligations if performance or fundraising plans fall short.
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Selling a startup is far more complicated than agreeing on a price. This guide explains buyer negotiations, due diligence, cap tables, investor preferences, earnouts, employee impact, taxes, closing risks and the emotional reality founders often overlook. It also shows how early fundraising decisions can shape the final payout, control and long-term life after acquisition for founders and their entire teams.
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Most founders think the pitch meeting determines whether a VC invests. In reality, the biggest decisions happen after you leave the room. Learn how venture capital firms evaluate founders, debate deals internally, conduct due diligence, and decide whether your startup is worth backing.
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Understand startup term sheets before signing. Learn valuation, dilution, liquidation preference, board control, SAFE notes, and the clauses every founder must negotiate.
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Most startups never deliver venture-scale returns. Discover why VCs still invest, how they assess founders, and what separates fundable startups from the rest.
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Is dividend investing before age 30 a smart wealth-building strategy or a mistake? Learn how dividends, growth, taxes, ETFs, and compounding can shape your long-term investment strategy.
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Who actually funds venture capitalists? Discover how pension funds, endowments, sovereign wealth funds, family offices and other limited partners provide the money behind VC firms—and why understanding the VC funding model matters for startup founders.
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After raising venture capital, founders do not just gain money—they gain governance. This guide explains how startup boards work, why founder-CEOs can be removed, and what founders should understand before signing investment documents.
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Raising millions is only the beginning. Discover what happens after startup funding, why founders struggle with hiring, burn rate, investor expectations and governance, and how to turn venture capital into sustainable growth.
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Most founders think their startup is worth far more than investors do—but valuation isn't based on effort or passion. Learn how venture capitalists actually value startups, the factors that influence early-stage valuations, common founder mistakes, and practical ways to increase your company's value before your next funding round.
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Investors don't always reject startups because they dislike the idea. In many cases, they genuinely like the business but pass due to market size, timing, valuation, fund strategy, portfolio conflicts, or limited capital. Learn the real reasons venture capital firms say "no," how to interpret investor feedback, and practical steps founders can take to improve their fundraising success.
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Understand the complete startup fundraising journey—from validating your idea and raising your first investment to Seed, Series A, unicorn status, and IPO. This comprehensive 2026 founder guide explains valuations, dilution, SAFE notes, cap tables, term sheets, venture capital, and exit strategies while linking every stage of the fundraising process into one roadmap.
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This comprehensive 2026 guide explains how companies like Stripe, Canva, Shopify, OpenAI, and Airbnb achieved unicorn status through fundraising, product-market fit, rapid growth, scalable business models, and investor confidence. Learn the metrics venture capitalists value most, common myths about unicorn startups, and practical lessons every founder can apply—whether you're raising your first round or building the next global company.
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Instagram's $1 billion acquisition by Facebook became one of the most famous startup exits in history—but the founders didn't personally receive $1 billion. This in-depth case study explains how founder equity, venture capital, dilution, employee stock options, and startup ownership determine who actually gets paid during an acquisition. Learn the real story behind Instagram's exit and the lessons every startup founder should know before raising investment.
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Most startup founders dream of a successful exit, but few understand how acquisitions, IPOs, liquidation preferences, and investor rights actually determine founder payouts. This comprehensive 2026 guide explains how startup exits work, why the headline sale price rarely equals the founder's payout, and what every entrepreneur should know before raising capital or negotiating an exit.
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Raising a Seed round is about proving your startup can work. Raising a Series A is about proving it can scale. Discover the key differences in investor expectations, traction, metrics, governance, due diligence, and fundraising strategy in this complete 2026 guide for startup founders.
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Should you raise money from an angel investor or a venture capital firm? The answer depends on your startup's stage, growth ambitions, and funding needs. This comprehensive 2026 guide compares angel investors and VCs, covering investment sizes, equity dilution, control, mentorship, fundraising timelines, and real-world founder scenarios to help you choose the right funding partner for long-term success.
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Should you raise money from an angel investor or a venture capital firm? The answer depends on your startup's stage, growth ambitions, and funding needs. This comprehensive 2026 guide compares angel investors and VCs, covering investment sizes, equity dilution, control, mentorship, fundraising timelines, and real-world founder scenarios to help you choose the right funding partner for long-term success
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Self-employed and wondering if you can qualify for a mortgage in Canada? Learn how lenders assess income, required documents, approval tips, and common mistakes to avoid in 2026.
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Liquidation preference is one of the most important terms in a startup term sheet. It decides who gets paid first when a company is sold or liquidated. This guide explains why founders can own a large percentage of a startup on paper but still receive little or nothing after an exit.
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A startup term sheet can decide how much control founders keep, how investors get paid, and what happens in a future exit. This guide explains the key terms every founder must understand before signing an investment deal
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Most early-stage startups raise money before anyone knows what the company is truly worth. That's where SAFE Notes come in. Learn how SAFE Notes work, what valuation caps and discounts mean, how future dilution happens, and why founders must understand these agreements before accepting investment.
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Most founders focus on raising money but overlook one of the most important documents in a startup: the cap table. Learn how cap tables track ownership, show dilution, manage employee stock options, and help founders avoid costly equity mistakes as their company grows.
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Startup dilution happens when investors receive equity in exchange for funding. Learn how ownership changes, why dilution occurs, and what founders should know before raising capital.
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Startup valuations can be confusing for first-time founders. Learn how investors value startups before revenue, calculate equity, and assess growth potential.
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Most investors spend only minutes reviewing a pitch deck. Learn how to structure your slides, showcase traction, explain your business model, and present a compelling investment opportunity. This TwikUp.ca guide breaks down the pitch deck elements investors actually care about and the common mistakes that cause promising startups to get ignored.
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Many startup founders believe a great idea is enough to secure funding, but investors evaluate far more than the product itself. Learn the most common reasons startup pitches fail, what investors are really looking for, and how founders can improve their chances of raising capital by avoiding costly fundraising mistakes.
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Most startups are rejected before due diligence ever begins. Here's what investors assess first and how founders can improve their odds of securing funding.
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Raising your first startup investment is rarely about venture capital. Most founders begin with friends, angels, or accelerators while using simple funding agreements to fuel early growth
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Apple's 1980 IPO created hundreds of instant millionaires, but the real story is about the investors who survived nearly two decades of setbacks before witnessing one of history's greatest corporate comebacks.
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A $200,000 investment can open multiple paths in Ontario, but rising property costs and borrowing expenses are shifting the advantage toward diversified stock portfolios and ETFs.
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A weaker Canadian dollar and lower interest rates are making Canadian assets look attractive to US investors. But currency risk could quickly change the equation.
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PM Carney launches Canada's AI for All strategy, targeting $200B in growth, 250K jobs, and a leap from 12% to 60% AI adoption by 2034.
