As a Canadian doctor, deciding how to grow your wealth often comes down to two key options: real estate or portfolio investing (stocks, ETFs, mutual funds).
Here’s a quick breakdown to help guide your decision.
Real Estate
Pros:
- Generates rental income
- Offers tax deductions (mortgage interest, property expenses)
- Potential for long-term appreciation
- Leverage through financing
Cons:
- Time-consuming to manage
- Less liquidity
- Subject to local market fluctuations
Portfolio Investing
Pros:
- Fully passive and scalable
- Easy to diversify across sectors
- Highly liquid and accessible
Cons:
- Market volatility can be stressful
- Emotional discipline required
- Needs thoughtful tax planning
Which One Makes Sense?
If you prefer tangible assets and don’t mind a bit of hands-on involvement, real estate can be a strong choice. If your priority is flexibility and simplicity, portfolio investing may suit you better.
Many Canadian physicians benefit from a blended strategy — supported by a smart tax plan.
Invest Smarter with MedTax
At MedTax, we help Canadian doctors structure their real estate and investment income in the most tax-efficient way possible. Whether you’re building a rental portfolio or growing market investments, we provide clarity, strategy, and peace of mind.
Want a free 30-minute consultation? Contact us today!
