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

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…

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…

Latest articles

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…

Can You Have Too Much in Your RRSP?

too much rrsp

Earlier this year, we wrote about everything you need to know about RRSPs including the RRSP contribution deadline. As part of our work with clients this year, when discussing the RRSP and any retirement withdrawal strategies, we tend to see some themes emerge. One big theme is: Can you have too much in your RRSP? The answer on that is: “it depends”! Read on in…

Preserving Wealth – Getting Retirement Income Planning Right

preserving wealth

At Cashflows & Portfolios, we’re passionate about preserving wealth, and getting retirement income planning right. That includes being tax efficient as part of our own retirement drawdown plans and helping Canadians with that too. In recent months, we’ve published several important articles for anyone nearing retirement, thinking about early retirement and generally speaking, wanting to get their own retirement income plans organized and managed for…

Managing Sequence of Returns Risk in Retirement

managing sequence of returns risk

It has been said that timing is everything. When it comes to drawing down your retirement savings – this is very true and any draw-down plan when the markets are tanking can be downright scary for any retiree. What is the sequence of returns risk? How might any sequence of returns risk impact your retirement plan?  How do you go about managing sequence of returns risk?…

Retirement on a Lower Income using Guaranteed Income Supplement (GIS)

early retirement on lower income using GIS

Subscribers to our site will know we’ve covered a few retirement income case studies on our site (we’ll link to those a bit).  This one, however, might be the most important one: Retirement on a Lower Income using Guaranteed Income Supplement (GIS). Why? Well, retirement income planning may be easier when you have lots of money saved and many accounts to drawdown. Retirement income planning…

How to Start Investing for Beginners

how to start investing in canada

How to start investing can be challenging for many and there is seemingly so much information to know. It’s also a challenge to figure out who to trust – so many people want your money! How can you start investing? Should you buy: funds or individual stocks? What accounts should you start investing with? Today’s post answers those questions and much more with references to…