Real Estate Vs Stocks In Canada - The Real Math (Which One Will Make You More Money?)

Two Canadians. Same $110,000.Same $75K salary. Same age. One bought a Canada rental property.The other bought XEQT inside a TFSA. 20 years later, the math will mess with your head and the gap between what they kept after taxes is the part nobody on YouTube actually runs. In this video we run the FULL Canadian numbers every mortgage payment, every property tax bill, every vacancy, every furnace, every LTB nightmare, every capital gains hit at sale and stack it against the boring index investor who did absolutely nothing for two decades. WHAT YOU'LL LEARN: Real cash flow on a Hamilton rental after every hidden cost The Canadian mortgage renewal cliff what Americans don't deal with How the TFSA quietly beats the principal residence exemption The capital gains tax bomb that hits Canadian landlords at sale Why $300 extra a month in stocks beats another rental property The exact markets in Canada where real estate still wins (Edmonton, Saint John) The Smith Maneuver - Canada's legal way to do BOTH at once IF YOU'VE EVER WONDERED: Should I buy a rental property or max my TFSA? Is real estate or stocks better in Canada right now? How much does a Canadian rental actually make after expenses? Why does my mortgage payment jump every five years? What's the real after-tax math on selling a rental? Does XEQT really beat a Hamilton rental over 20 years? How does the principal residence exemption stack up against the TFSA? This video runs the numbers. No American hand-me-down advice. No fluff. Just the math that actually applies to your Canadian life. CHAPTERS 00:00 Intro 01:01 What You'll Learn 02:31 Day One - Tyler Feels Like a Genius 03:56 Year 3 - The Math His Buddies Don't See 05:48 The Hidden Costs Nobody Talks About 08:04 Year 5 + The Renewal Cliff 09:36 Year 10 - The Quiet Crossover 11:25 Year 20 - The Finish Line + The $300 Kicker 13:40 Real Estate's Fair Defense 15:40 The Real Trap LINKS & TOOLS I MENTION TFSA contribution room calculator: https://www.canada.ca/en/revenue-agen... XEQT fund page: https://www.blackrock.com/ca/investor... Wealthsimple (no-fee TFSA): https://wealthsimple.com/invite/EFHNZW (affiliate links - supports the channel at no cost to you) NEW HERE? The Maple Finance runs the real Canadian numbers on real Canadian situations. Every week. No US hand-me-down advice. No fluff. Just the math that applies to YOUR life - TFSA strategy, RRSP timing, mortgage math, tax loopholes, real estate math, and ETF deep-dives. DISCLAIMER This video is for educational and entertainment purposes only and does not constitute financial, tax, or investment advice. Always consult a licensed Canadian financial advisor before making investment decisions. Past performance does not guarantee future results. #CanadianPersonalFinance #RealEstateVsStocks #TFSA #XEQT #CanadianInvesting #RentalPropertyCanada #HamiltonRealEstate #SmithManeuver #PersonalFinanceCanada #TheMapleFinance