Welcome

Cashflows & Portfolios is a free resource providing a beginning-to-end guide for Do-It-Yourself investors. The journey begins with how to budget and generate cash flow; how best to invest that cashflow; onto using the nest egg to fund the next phase of life – retirement. 

We (Mark and Joe) are personal finance bloggers with a combined experience of over 25 years in helping Canadians with their finances. Using this experience, we created this site to provide you with actionable steps towards your financial goals. Both of us are in our 40’s, and like many of you, we started from scratch.  Using the steps and strategies outlined in this site has allowed us to build significant 7-figure portfolios that are leading the way to financial independence (more about us here).

Thanks for visiting – feel free to reach out and don’t forget to subscribe to our free newsletter!

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Featured articles

Top Bitcoin ETFs in Canada

top bitcoin ETFs in Canada

There’s no question that owning crypto assets, including Bitcoin, is hot with some investors.  Any crypto assets however can be very volatile, fraught with uncertainty, and to be honest – they might not pan out at all long-term. So, if you’re going to own Bitcoin, what are the Top Bitcoin ETFs in Canada? Should you even bother owning Bitcoin or any crypto in your portfolio?…

Can you retire using just your TFSA?

retire using only your tfsa

The opportunity for Canadians to save and invest tax-free over decades could be considered one of the greatest wonders of our modern financial world. This begs an important question: If you start early enough – Can you retire using just your TFSA? We believe so and in today’s post we’ll show you how! Can you retire using just your TFSA? Why the TFSA is a…

Latest articles

Why You Should Take CPP at Age 70

why you should take cpp at 70

To help make good financial decisions today, that impact your tomorrow, you need to make some assumptions about the future. When you should take your Canada Pension Plan (CPP) benefit is one of those decisions. So, when and why take CPP at age 70? This post provides the goods including a link to one of our case studies. What is CPP? The Canada Pension Plan…

What is Inflation, Deflation, Stagflation?

what is inflation,deflation,stagflation

In economics, experts love to use complex terms to explain simple subjects. Well, for today’s post, we’re going to break down what is inflation, deflation and stagflation in simple terms including what that means for you and me – the passionate DIY investor. Read on and let us know your thoughts! What is Inflation, Deflation, Stagflation? What is Inflation? At the most basic level, inflation…

Top Bitcoin ETFs in Canada

top bitcoin ETFs in Canada

There’s no question that owning crypto assets, including Bitcoin, is hot with some investors.  Any crypto assets however can be very volatile, fraught with uncertainty, and to be honest – they might not pan out at all long-term. So, if you’re going to own Bitcoin, what are the Top Bitcoin ETFs in Canada? Should you even bother owning Bitcoin or any crypto in your portfolio?…

How Soon Can You Retire Using Your RRSP?

How Soon Can You Retire Using Your RRSP

You’ve been told to use your Registered Retirement Savings Plan (RRSP) to save diligently for retirement. But, how soon can you retire using your RRSP? Might it be better to use your RRSP instead of your TFSA to retire early? As always, we’ve got answers and break down these questions in today’s post. Why the RRSP? How soon can you retire using your RRSP? Many…

Can you retire using just your TFSA?

retire using only your tfsa

The opportunity for Canadians to save and invest tax-free over decades could be considered one of the greatest wonders of our modern financial world. This begs an important question: If you start early enough – Can you retire using just your TFSA? We believe so and in today’s post we’ll show you how! Can you retire using just your TFSA? Why the TFSA is a…

Best International ETFs in Canada

best international ETFs in Canada

Using low-cost, diversified Exchange Traded Funds (ETFs) can be a great way for investors to build wealth – including getting international exposure using international ETFs.  At least that’s our approach! We’ve written about that approach before but with so many ETFs to choose from – what are the best ones to own? Beyond that answer: Why should you consider investing beyond Canada’s borders? Read on…

The Best U.S. Dividend ETFs

best US dividend stocks in Canada

Many investors look to Exchange Traded Funds (ETFs) as a way to invest in the U.S. stock market – rightly so – Canada offers only so much in the form of global stock diversification. As DIY investors ourselves, we know there are many investors out there who may prefer investing in ETFs as a way to own quality stocks. So, knowing that, these are some…

What is a Robo-Advisor? Are they Right for You?

What is a robo-advisor

There have been a host of changes in the financial landscape over the last 10 years, and the rise of the machines of one of them: a Robo-Advisor. What is a Robo-Advisor? How do they work? Is a Robo-Advisor right for you? Read on for these answers in today’s post including our own take on this popular trend for investors who might just be starting…

Reader Mail: Can I Retire with a $500,000 RRSP?

Many people feel you need to save a bundle for retirement, and that can be true, depending how much you intend to spend. So, can you retire with a $500,000 RRSP? Can you retire without any company pension plan? Read on to learn more including how in our latest case study we tell you it’s absolutely possible to retire with no company pension while relying on…

The Best Canadian Dividend ETFs

best Canadian dividend ETFs

There are investors out there who prefer investing directly in dividend stocks – we get that. However, we also believe low-cost Exchange Traded Funds (ETFs) can also have a place in a portfolio – including Canadian Dividend ETFs. What are the best Canadian dividend ETFs to own? Are there some advantages or disadvantages to owning dividend ETFs over other investments? Read on, find out, including…