Folia.
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Folia tracks your portfolio, runs rule-based signals on every position, and tells you what to watch — in plain English.
No finance degree required. Folia reads your positions and does the analysis automatically.
Type in your stock or ETF tickers, how many shares you own, and what you paid. Folia handles CAD and USD automatically.
Folia pulls live prices, moving averages, RSI, and dividend yields automatically — no manual data entry.
Every holding gets a signal — Favorable, Watch Closely, or Neutral — with a note explaining exactly why, in plain language.
Get notified when a signal changes, a price target is hit, or your RSI goes extreme — before you would have noticed yourself.
TSX, NYSE, ETFs, covered-call funds — Folia handles the mix most Canadian portfolios actually hold.
Live USD/CAD conversion built in. Your whole portfolio in one number, in Canadian dollars.
Trend, RSI, and 52-week range position — combined into a single clear signal per holding. Transparent formulas, no black box.
Get notified when your signal changes or a price target is hit. Email and push, so you never miss a move.
Ask plain questions about your portfolio. "What's dragging my returns?" — and get real answers.
Illustrative bear/base/bull ranges based on your holding's current signal category (trend, RSI, 52-week range) — a rule-of-thumb estimate, not a stock-specific forecast or price target.
Covered-call ETFs like AMZH and YNVD are scored differently — NAV stability matters more than RSI for these funds.
No credit card to get started. Upgrade anytime as your portfolio grows.
For beginners getting started. Track up to 10 holdings with full signal analysis.
For active investors who want real charting, unlimited alerts, and room to grow.
For serious traders. Unlimited holdings, institutional-grade charting, deep AI chat, and tax tools.
Join Folia free — takes 2 minutes, no credit card.
Canada gives you three powerful registered accounts. Most people use them without a strategy. Here's what actually goes where — and why.
The core idea: everything that grows inside a TFSA — dividends, capital gains, interest — is completely tax-free, forever. When you withdraw, you pay zero tax. Your contribution room comes back the following January 1, so you can re-contribute what you took out.
The core idea: contributions are tax-deductible — meaning you get a refund on the tax you already paid. Your investments grow tax-sheltered until withdrawal, at which point they're taxed as regular income. The bet: you'll be in a lower tax bracket in retirement than you are today.
The core idea: the FHSA combines the best of the TFSA and RRSP. Like an RRSP, contributions are tax-deductible. Like a TFSA, withdrawals for a qualifying home purchase are completely tax-free. If you don't buy within 15 years, you can roll the funds into your RRSP — no tax hit, no lost room.
Enter your birth month and year to see your exact TFSA, FHSA, and RRSP limits.
Most Canadians can't max all three. Here's the order that makes sense for most people.
If your employer matches RRSP contributions, always do this first — it's an instant 50–100% return.
RRSPIf you're a first-time buyer (or think you might be), open the FHSA now. Room doesn't accumulate until it's open.
FHSAThe most flexible shelter — any goal, any time. Once the FHSA is funded, TFSA room is the next priority.
TFSAIf you earn a meaningful income, RRSP contributions cut your tax bill today. Most valuable in the 40%+ bracket.
RRSPOnce all registered room is full, invest in a regular account. Prioritize Canadian dividend stocks and growth assets here.
Non-registeredEverything in one table.
| Feature | TFSA | RRSP | FHSA |
|---|---|---|---|
| Who can open it | Canadian resident, 18+ | Canadian with earned income, under 71 | Canadian resident, 18–71, first-time buyer |
| 2026 contribution limit | $7,000 + unused room | 18% of prior year income, max $33,810 | $8,000, lifetime $40,000 |
| Tax deduction on contribution? | No | Yes | Yes |
| Growth taxed? | Never | Deferred until withdrawal | Never (qualifying home) |
| Withdrawals taxed? | Never | Yes — as income | No (qualifying home purchase) |
| Room restored after withdrawal? | Yes — next Jan 1 | No | No |
| US dividend withholding tax? | Yes — 15%, not recoverable | No — treaty exemption (direct US holdings only) | Yes — 15%, not recoverable |
| Best for | Any goal — retirement, house, emergency, travel | Retirement, especially when income is high now | First home down payment |
| Best assets to hold | Growth stocks, Canadian ETFs, REITs, income ETFs | US dividend stocks + US-listed ETFs (in USD), bonds, fixed income | GIC if buying soon, growth ETF if 5+ years out |
Track your TFSA, RRSP, and FHSA holdings in Folia — with signals, projections, and plain-English notes for every position.
Free for up to 10 holdings. No credit card needed.
An ETF is just a basket of other investments. Holdings and sector weights below are curated estimates, refreshed periodically — daily prices are still live.
Track a market index by holding all (or most) of its stocks. Low fees, broad diversification, no active management. Examples: VFV, XEQT, QQQ.
Focus on one industry — gold miners, energy, tech, etc. More concentrated risk than broad index ETFs. Examples: XGD, ENCL.
Hold a stock and sell call options on top to generate monthly income. High distributions but capped upside. Examples: AMZH, YNVD, YTSL.
VFV holds units of VOO (Vanguard's US-listed S&P 500 ETF), giving you exposure to the 500 largest publicly traded companies in the United States, weighted by market cap.
The S&P 500 is selected by a committee at S&P Global. Companies must be US-based, have a market cap above ~$18B, be profitable, and meet liquidity requirements. It represents about 80% of the total US stock market by value. Rebalanced quarterly.
QQQ tracks the NASDAQ-100 — the 100 largest non-financial companies on the NASDAQ exchange. More concentrated than VFV, heavily weighted toward technology.
Overlap warning: If you hold both VFV and QQQ, your top positions (Apple, Microsoft, NVIDIA) are doubled up. The top 10 stocks in QQQ make up about 50% of the entire fund.
XEQT is a fund of funds — it holds four iShares ETFs that together cover thousands of stocks across the entire world. 100% equities, auto-rebalanced by BlackRock.
XGD holds gold mining and royalty companies listed globally — not physical gold itself. Miners amplify gold price moves but carry company-specific risks too.
Mining vs physical gold: If gold rises 10%, a low-cost miner might see profits rise 30–40% (operating leverage). But miners can fall more than gold itself in downturns due to company-specific risks.
The covered-call strategy: The fund buys shares in a company. Then it sells "call options" on those shares — renting out the right to buy them at a set price. The buyer pays a premium upfront, which becomes the fund's monthly income distribution. The catch: if the stock rockets past the option price, those gains are capped — you already sold them to the option buyer.
Harvest Amazon High Income Shares ETF
Purpose NVIDIA Yield Shares ETF
Purpose Tesla Yield Shares ETF
The key thing to understand about all covered-call ETFs: the high monthly distribution is not free money. It comes from selling away some of your potential stock gains. In a flat or slowly rising market they work well. In a ripping bull market you'll significantly underperform the underlying stock. They're best used as income tools inside a TFSA, where distributions are completely tax-free.
Type any ETF symbol to see its top holdings and sector breakdown.
Folia scores covered-call ETFs differently from growth stocks — because RSI overbought means something different for YNVD than it does for NVDA.
Candles, indicators, Smart Money Concepts, multi-timeframe analysis, futures & options — everything's already built. Here's how to actually use it.
This guide explains how to configure Folia's charting tools. It does not tell you what to buy, sell, or when — every technique here is a way of reading a chart, not a signal to trade on. Markets are risky; do your own research.
No account needed — pick a ticker below and see live candlestick data. This is a stripped-down preview; the full version (any ticker, AI Indicators, drawing tools, multiple timeframes) lives on Discover.
Starts from a real chart, then ticks forward on its own with simulated price moves — every price and fill here is fake, a sandbox for practicing entries, exits, and limit orders with zero risk. Mark up levels, place trades, watch what happens.
Fill in one or both — leaves resting orders against your current position that trigger automatically as price moves, same as a real stop-loss/take-profit pair.
Every candle summarizes one time period (a minute, an hour, a day — whatever the chart's interval is) in four numbers: the open (price at the start), close (price at the end), and the high/low it touched in between. The thick part is the body — the range between open and close. The thin lines above and below are the wicks (or "shadows") — how far price reached beyond the body before pulling back. Color tells you direction, not magnitude: a green (or hollow) candle means it closed higher than it opened — buyers won that period. A red (or filled) candle means it closed lower than it opened — sellers won. A long body means a decisive move; long wicks with a small body mean the price got pushed hard one way and then rejected back — often a sign of hesitation right at that level.
A moving average smooths out day-to-day noise by plotting the average closing price over a set number of past candles, so you can see the underlying trend instead of the zig-zag. MA 50 (gold) averages the last 50 candles — it reacts faster and tracks shorter-term trend shifts. MA 200 (purple) averages the last 200 — much slower to turn, and widely watched as the line between a "healthy long-term uptrend" (price above it) and a "downtrend" (price below it). When the faster MA 50 crosses above the slower MA 200, traders call that a golden cross (bullish); crossing below is a death cross (bearish). Toggle either line on or off independently above the chart.
Before entering a trade, you pick three prices: an entry, a stop-loss (where you admit you're wrong and get out), and a target (where you take profit). The distance from entry to stop is your risk; the distance from entry to target is your reward. Dividing the two gives the ratio — risking $50 to make $150 is a 1:3 R:R. The reason this matters: at 1:3, you can be wrong more often than you're right and still come out ahead — losing three trades (−$150) and winning just one (+$150) breaks even, so anything better than 1 win in 4 is profitable. Use + Risk/Reward above the chart to mark all three prices on a real (fake!) trade and see the ratio calculated for you — it draws exactly this box, shaded red for risk and green for reward, right on the candles.
This example is a long (betting price rises) — reward sits above entry, risk below. Shorting flips it: risk sits above entry (price rallying against you) and reward below (price falling in your favor), same math either way.
These six ideas are what the AI Indicators toggle (Step 3 above) actually detects and draws for you automatically — this is what each one means and looks like, so the lines on your chart aren't a mystery.
Price never moves in a straight line — it moves in swings, and market structure is just naming the pattern those swings make. An uptrend is a series of higher highs (HH) and higher lows (HL) — each pullback finds support above the last one. A downtrend is the mirror image: lower highs (LH) and lower lows (LL). The trend is considered intact until that pattern breaks — a Break of Structure (BOS) means a new high/low extended the existing trend; a Change of Character (CHoCH) means price failed to make the next HH or LL and broke the opposite way instead — often the first sign a reversal is starting.
Whenever price tests a similar level more than once — equal highs (EQH) or equal lows (EQL) — everyone who bought below that high or sold above that low has a stop-loss resting just beyond it. That cluster of stops is liquidity: real orders sitting at a predictable price, which is exactly why price so often reaches for it before reversing — see "Liquidity sweep" below.
An order block is the last opposite-direction candle right before a strong, impulsive move — the working theory is that's where large orders were placed, so price often returns to "mitigate" (retest) that zone before continuing. A bullish order block is the last down-candle before a sharp rally. A bearish order block is the last up-candle before a sharp drop. Folia's AI Indicators mark these automatically and track whether they're still "unmitigated" (never retested).
When price moves so fast that three candles in a row don't fully overlap, it leaves a gap — the high of candle 1 never overlaps the low of candle 3 (or vice versa for a bearish gap). That untraded zone is a fair value gap, or imbalance: price moved through it too quickly for real two-way trading to happen there. The idea is price often returns to "fill" that gap — trade back through it — before continuing in the original direction, since it's an inefficient price the market may want to revisit.
A liquidity sweep is price briefly pushing past an equal-highs or equal-lows level — just far enough to trigger the stop-losses resting there — before sharply reversing. From the outside it looks like a fake breakout: the wick pokes through the level, but the candle closes back on the other side. That fast reversal right after a liquidity grab is one of the more reliable Smart Money Concepts signals, since it suggests the move was about clearing out stops, not a genuine breakout.
Take the most recent significant swing low and swing high and split that range in half — the equilibrium. The upper 50% is the premium zone: price is "expensive" relative to the recent range, where you'd look to sell or short. The lower 50% is the discount zone: price is "cheap," where you'd look to buy. It's a simple mental model for the same instinct as "buy low, sell high" — just anchored to the actual recent range instead of a gut feeling.
Enter in the direction price is already moving — long above a rising MA 200, short below a falling one. Simple, but you give back some profit waiting for confirmation.
Mark the top/bottom of a consolidation with the Box tool, then enter when price closes outside it with rising volatility — like the "Volatile breakout" demo above.
In a range-bound chart (see "Choppy range"), sell near the top of the range and buy near the bottom, betting price snaps back rather than trending.
Take quick, small profits on tiny price moves rather than holding for a big swing — needs tight stops and a real edge to overcome fees on real accounts.
Whatever the strategy, the risk management is the same: decide your risk/reward before you enter, size the trade so a stop-out doesn't wreck the account, and use a daily loss limit (see the simulator's account settings above) to stop trading once a bad day gets worse. None of this is investment advice — it's how the mechanics work, practiced here with fake money before you'd ever risk real money.
Head to Discover, search any ticker, and switch to Candles. The interval chips control your candle size — pick based on how you trade:
1m – 5m candles. Fast, noisy, needs constant attention. Best on liquid names and futures (ES, NQ) with tight spreads.
5m – 15m candles. The most common intraday timeframe — enough structure to read, still reacts fast enough to trade the same session.
1h – 24h candles. Holding positions for days, not hours — less noise, fewer decisions, larger moves.
Next to the timeframe chips: MA 50, MA 200, RSI, MACD, and Vol. Hover any of them for a plain-English explanation. A solid default setup:
MA 50 & MA 200 — trend context. Price above both, with MA 50 above MA 200, is a "golden cross" — the same logic Folia's own signal engine uses. RSI — momentum; above 70 is often overbought, below 30 oversold. MACD — momentum shifts via the 12/26 EMA crossover. Volume — confirms whether a move has real participation behind it or is just noise.
Click ✳ AI Indicators on the chart toolbar to open the layer picker. Every layer here is a rule-based read of price action — not a prediction, not AI-generated guesswork. Turn on what's useful to you:
A 3-candle imbalance where price moved so fast it left a gap. Price often returns to fill these zones — traders watch them as potential support/resistance. An iFVG is a broken gap, hinting at a reversal.
The last opposite-direction candle before a strong impulsive move — a footprint of where large orders likely originated. Often acts as support or resistance on a retest.
Clustered equal highs (EQH) or equal lows (EQL) — where retail stop-losses tend to sit. Price often "sweeps" these levels before reversing.
BOS (Break of Structure) confirms a trend continuing. CHoCH (Change of Character) flags a possible reversal. Both plot automatically as price breaks recent swing highs/lows.
Shows how much volume traded at each price level. The POC (Point of Control) is the single price with the most volume — often acts as a magnet.
Marks every local pivot on the chart — the raw material market structure and liquidity pools are built from.
Turning everything on at once gets messy fast — most day traders run 2–3 layers at a time (e.g. FVG + swing highs/lows, or order blocks + structure). Toggle freely; your choices are saved automatically.
A simple, repeatable process using the same interval chips from Step 1:
Establish bias — is the higher timeframe trending, or ranging? Where's the nearest liquidity or FVG?
Look for the higher-timeframe zone to actually get tapped — an order block, FVG, or liquidity sweep reacting.
Structure shift (CHoCH) on the lowest timeframe is often used as the final confirmation before treating a level as valid.
Use the drawing tools (Step 5) to lock in the levels you found — so you're not re-analyzing the same chart from scratch next time.
The ✎ Draw menu on the chart toolbar has everything you need — every drawing auto-saves per ticker and syncs across timeframes and currency views.
Mark support/resistance (Level), draw a trend channel (Trendline), or project a line forward to the current price (Ray). Pick a color per drawing — keep bullish and bearish levels visually distinct.
Drop a full-height line on earnings, Fed decisions, or your own entries — with a label. Pin a note to any specific candle to remember why a level mattered.
Box out a range or consolidation zone. The freehand brush is there for anything else — annotate a pattern exactly how you see it.
Full undo/redo history per ticker. Hit Full screen on the toolbar to expand the chart edge-to-edge while you work — press Esc to exit.
Futures and index charting — ES, NQ, YM, VIX, and more — is coming to Discover soon, with the same AI Indicators and drawing tools you already use on stocks.
In your Holdings tab, set a price target per position — Folia flags it on your dashboard once price is within 3%. Free accounts get 1 alert; Plus and Pro get unlimited, plus RSI overbought/oversold alerts.
Head to Discover, switch to Candles, and start working through the steps above — every setting saves automatically as you go.
The latest from the markets — indexes, tech, TSX, and crypto — in one scroll.
Live price · Interactive charts · Moving averages · Key stats
Join groups, share ideas, post your portfolio, and see what other Canadian investors are buying. Reading is open — posting is free with an account.
What Folia is, where our data comes from, and what this site is — and isn't. Last updated July 18, 2026.
Folia is a Canadian-built portfolio tracker and market-research tool. You enter (or import) the investments you already own, and Folia turns them into a clear picture: live values in CAD and USD, gain/loss, dividend income, charts, rule-based signals, and educational context about Canadian account types like the TFSA, RRSP, and FHSA.
Folia is an information tool, not a brokerage. We never hold your money or your investments, we cannot place trades, and we never ask for your brokerage login. Nothing you do in Folia can move real money anywhere.
Everything in Folia — prices, charts, signals, projections, AI-generated summaries, reports, and community posts — is financial data and educational information only. None of it is investment advice, a recommendation, or an offer to buy or sell any security. For advice about your personal situation, consult a licensed financial advisor.
What our "signals" actually are. Folia's signals (Favorable, Watch Closely, Neutral), AI Indicators, sentiment tags, and projections are transparent, rule-based calculations — math applied to public market data (moving averages, RSI, 52-week ranges, and similar formulas). They describe what a chart has done, not what a stock will do. Past performance never guarantees future results.
Where our data comes from. Market prices and fundamentals come from public market-data sources and may be delayed up to 15 minutes or longer. Options data comes from Cboe (delayed). Insider-trading activity comes from SEC EDGAR, the U.S. government's public filing system. News headlines link to their original publishers. Charts are rendered with TradingView's open-source Lightweight Charts library. Data can contain errors or gaps — verify any figure that matters with your brokerage before acting on it.
Community posts are opinions. Anything posted by Folia users — including shared portfolios and annotated charts — is that person's opinion, not advice, and is not vetted, endorsed, or fact-checked by Folia.
Folia is not a registered investment dealer, advisor, or portfolio manager with any securities regulator, and using Folia does not create an advisor–client relationship. Tax figures (including the tax estimator and contribution-room calculators) are educational estimates based on published rates and limits — confirm your real numbers with the CRA or a tax professional.
1. Agreement. By creating an account or using Folia you agree to these terms and the disclaimer above. If you don't agree, please don't use Folia.
2. Eligibility. You must be the age of majority in your province or territory to create an account.
3. Your account. Keep your password private — you're responsible for activity on your account. The data you enter (holdings, notes, drawings) stays yours; you can delete it, or your whole account, at any time.
4. Subscriptions. Paid plans (Plus, Pro) are billed through Stripe. You can cancel anytime through the billing portal in Account Settings; you keep access until the end of the period you've paid for. Prices may change with notice before your next renewal.
5. Community rules. Be genuine. No harassment, no impersonation, no spam, no pump-and-dump or other market-manipulation schemes, and no presenting yourself as a licensed advisor if you aren't one. We may remove content or accounts that break these rules.
6. Acceptable use. Don't scrape, resell, or redistribute Folia's data feeds; don't attempt to access other users' data; don't use Folia for anything unlawful.
7. Third-party data. Market data, options data, filings, and news belong to their respective sources and publishers and are provided for your personal, non-commercial use within Folia.
8. No warranties. Folia is provided "as is." We work hard to keep data accurate and the service available, but we can't guarantee either, and we're not liable for losses — including investment losses — arising from your use of the service. Your investment decisions are your own.
9. Changes. We may update these terms as Folia evolves; the "last updated" date above will change and continued use means acceptance.
10. Governing law. These terms are governed by the laws of Ontario and the federal laws of Canada.
What we collect: your email, name, the birth date you optionally provide (used only for contribution-room math), and the data you enter — holdings, portfolios, price alerts, chart drawings, and community posts.
Where it lives: in a secured database (Supabase) with row-level security, meaning your data is technically isolated so only your signed-in account can read it. Passwords are stored only as cryptographic hashes — nobody, including us, can read them.
What we never do: sell your data, share your portfolio with anyone (unless you post it to Community yourself), or ask for brokerage credentials.
Payments: handled entirely by Stripe — your card number never touches Folia's servers.
Your rights: you can export your data (CSV/Excel) or delete your account and its data at any time. Questions or deletion requests: use the contact below.
Questions, feedback, data requests, or anything else: email the founder. Folia is an independent Canadian project — you'll get a reply from a real person.
Track up to 10 holdings free. No credit card needed.
Free forever plan · No credit card required · About Folia
Start with one position — you can add the rest after. We'll pull live data automatically.
Where to find your info: Open your trading platform's app → tap any holding → you'll see your shares owned and average price right there.