February Newsletter
John Ridd - Feb 04, 2026
February 2026 Newsletter
At anytime, if you would like to speak with us, please do not hesitate to reach us directly by phone 905-727-5040 or Ridd.Associates@nbpcd.com.
We would be happy to meet with you (either in-person, via video or telephone). We also invite you to use our booking page to schedule directly at your convenience
Contribution Reminders
The RRSP contribution limit for 2026 has increased to $33,810 from $32,490 in 2025. The amount is calculated as 18 percent of your previous year’s income up to the maximum, plus any unused contribution room carried forward. The RRSP contribution deadline for the 2025 calendar year is March 2nd, 2026. We encourage any clients that want to make contributions to do so as early in the year as possible.
As of January 1st, adults in Canada can add another $7,000 in contribution space to their Tax-Free Savings Accounts (TFSAs). That’s in line with the $7,000 annual threshold for the past two years, making the cumulative contribution limit for eligible investors who have never contributed to their TFSA since its introduction in 2009 to $109,000.
Mailing Schedule for tax slips and associated reports
Depending on your investment holdings and account activity, you could receive a variety of tax slips that you’ll need to prepare your annual tax return. For a brief overview of the various tax slips and supporting documents you may receive from BMO, along with their expected availability dates, refer to our publication, 2025 Tax Documents Overview and Schedule. Please make sure that you receive all required tax slips before filing your tax return with the Canada Revenue Agency.
See 2025 Tax Reporting Guide for BMO Nesbitt Burns for an overview of tax reporting for BMO Nesbitt Burns clients, information about filing deadlines, estimated mailing dates of tax slips, answers frequently asked questions about the annual tax season and provides other information to help simplify your tax preparation efforts.
Market and Portfolio Update
We invite you to read our February 2026 Market and Portfolio Update.
Monthly Feature
Housing Outlook: What You see is What You'll Get
As we continue to work through the secular downturn in Canadian housing, expect more of the same for sales and prices in 2026. This year figures to bring a weaker rental market, shy investors, and another step closer to restoring affordability.
We hope you enjoyed this month's newsletter. If you know someone who can benefit from our commentary or services, please feel free to forward this newsletter to them.
Warm regards,
John, Victor and Megan