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Budget 2026 Lands Nov. 5: What to Do (and Not Do) With Your RRSP and TFSA First

  CANADIAN MONEY BRIEF  |  FEATURE  |  OCT. 23, 2026 The federal budget is 13 days away, tax-reform calls are getting louder, and “act now” headlines are about to pile up. Here’s what is actually confirmed, what is just lobbying, and what to leave alone. Finance Minister François-Philippe Champagne told the House of Commons on Oct. 20 that Budget 2026 will be tabled on Nov. 5 . It is the second budget since the Liberals moved the fiscal plan to the fall, and it lands two days after the U.S. midterm elections. Between now and then, expect a flood of speculation about RRSPs, TFSAs and capital gains. Before you move a dollar, it helps to separate three things: what’s confirmed, what’s being asked for, and what the rules say today. Key dates on your calendar Oct. 28 Bank of Canada rate decision (9:45 a.m. ET) Oct. 29 Ontario fall economic statement Nov. 3 U.S. midterm elections Nov. 5 Federal Budget 2026 Dec. 9 Final Bank of Canada decision of 2026 Mar. 1, 2027 RRSP...

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Your daily horoscope: January 22, 2025

 

HOROSCOPES IF TODAY IS YOUR BIRTHDAY

Don’t hold back this year: get involved in whatever attracts you and don’t worry about how you will find the time and energy to do justice to your many interests. The cosmic wind is at your back and will carry you along every step of the way.

ARIES (March 21 - April 20):

Do you continue with a long-term project that does not appear to be making much progress, or do you junk it and start something new? Ultimately only you can decide but if you do give up on it make sure you learn from the experience.

TAURUS (April 21 - May 21):

If you put your mind to it you can accomplish something extraordinary today, something that even in your more optimistic moments you would not have thought possible. Your greatest strength Taurus is your persistence, and it is about to pay off!

GEMINI (May 22 - June 21):

If you do nothing else today at least have some fun. The sun in your fellow air sign of Aquarius means you can find reasons to smile wherever you go and whatever you do. By all means laugh at people who always seem so grim.

CANCER (June 22 - July 23):

If you say one thing while meaning another today you are sure to get found out, so be honest about your thoughts and your feelings even if you know they won’t go down well with certain people. Call it as you see it, today and every day.

LEO (July 24 - Aug. 23):

It will be easy to go over the top today, especially when dealing with people whose high-strung natures make those around them a bit jittery. Just because they get over-excited about minor events does not mean you must follow their lead.

VIRGO (Aug. 24 - Sept. 23):

Personal relationships of all kinds, including affairs of the heart, need to be handled with extra care today as some of your loved ones could be touchy for no good reason. Everything you do must be geared towards making sure they stay calm.

LIBRA (Sept. 24 - Oct. 23):

You don’t have to stay with people whose negative outlook on life is at odds with your own – you can, if you wish, relocate to some place where the vibes are more harmonious. Let everyone know you intend to come and go as you please.

SCORPIO (Oct. 24 - Nov. 22):

If you are in any way worried about your family situation now is the time to get serious and do something about it. Don’t get so serious though that you lose the ability to have fun. Laughter is often the best medicine for healing rifts.

SAGITTARIUS (Nov. 23 - Dec. 21):

Not everyone is as enthusiastic about your plans as you would like them to be but so what? The only thing that matters is that you have confidence in what you are doing. Your supreme self-belief will be enough to ensure lasting success.

CAPRICORN (Dec. 22 - Jan. 20):

Make sure you are working toward an objective that is right for you rather than right for other people. You don’t have to be selfish about it but you do have to be aware that others will piggyback on your ambitions if you let them.

AQUARIUS (Jan. 21 - Feb. 19):

Your outlook on life is so positive that all things are possible. You must, however, make sure that your energy is directed at aims that will benefit you and others long-term rather than just for the next few weeks. Seize the day and change the world.

PISCES (Feb. 20 - Mar. 20):

You could get a bit emotional today but if you dry your eyes and look at your current situation logically you will see there is nothing you can do to change things and therefore no point in getting upset. A practical approach is a must.

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