Welcome

Cashflows and Portfolios is a free online resource providing beginning-to-end content for all Do-It-Yourself (DIY) investors. We offer a free newsletter to your inbox offering wealth-building tips; suggestions; retirement case studies; and more to help you manage your retirement nest egg over time. We also offer personalized low-cost financial projections services beyond all the free content to support all DIY investors by DIY investors!

Check out our low-cost Retirement Projections Services here!

Learn about who we are, why we do what we do, and how we intend to support all DIY investors as DIY investors ourselves right here.

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DO YOU HAVE ENOUGH TO RETIRE?

If financial projections and retirement readiness are what you are after, we using some professional financial software (software that we are using for our own plans in fact), and making it available to you in our affordable and value-packed membership options. With this powerful software, we provide a detailed report(s) that answers questions specific to your financial situation and assumptions such as:

  • Do I have enough to retire?
  • When can I retire?
  • Will I run out of money in retirement?
  • What is the most I can spend in retirement?
  • How much of a financial legacy can I leave behind?
  • Should I take CPP at age 65 or 70?
  • How do I minimize OAS clawback?
  • Which account (and when) should I withdraw from for the highest tax efficiency and estate value?

Featured articles

What is the Bucket Approach, and Does it Work?

the retirement bucket approach

In a previous post on our site, we asked: What’s your retirement number? The genesis behind that post was sharing the best practices from our members, their own lessons learned – to pay it forward to others. Implied in that post was a Bucket Approach. Read on… One of the concepts in that post was to ensure “when in doubt, add financial cushion” is what…

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Our Top-5 Stocks and Holdings

Our TOP 5 Stocks and Holdings

Over the years of running various sites, and including our work here at Cashflows & Portfolios over the last few years, the founders (Mark and Joe) have received many requests to share what our portfolios looks like, why, how we’re investing and what companies we are thinking about buying more of over time as DIY self-directed investors. Well, to help answer some of those questions…

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Why the 4% Rule Doesn’t Work for Early Retirement (FIRE)

The 4% rule is a common rule of thumb in many retirement planning circles, including the Financial Independence, Retire Early (FIRE) community in particular. But…we don’t really like it for FIRE! What does the 4% rule actually mean? Should the 4% rule be used for any FIRE-seeker? Does the 4% rule really matter to retirement planning at all? Read on to find out our final…

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Latest articles

How We Manage Our Money – Including Our Seven Figure Portfolios!

how we manage our money

Over the years of running our sites, Joe as the founder of Million Dollar Journey and with Mark and his continued labour of love called My Own Advisor, we have (and continue to receive) many requests about our current respective portfolios, our investment approaches as we age, and other related personal finance matters like managing insurance, taxation, debt, our own corporations and more. Well, we…

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Should You Invest in a High-Interest ETF?

Some fans of this site own dividend-paying stocks for income and growth. We do too! Other fans of our site own low-cost Exchange Traded Funds (ETFs) to passively ride market returns. Yes, we do too! But there are many other ways to invest…including the use of a high-interest ETF for some cash buffer against bonds and equities as asset classes. Even with interest rates starting…

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What is the Bucket Approach, and Does it Work?

the retirement bucket approach

In a previous post on our site, we asked: What’s your retirement number? The genesis behind that post was sharing the best practices from our members, their own lessons learned – to pay it forward to others. Implied in that post was a Bucket Approach. Read on… One of the concepts in that post was to ensure “when in doubt, add financial cushion” is what…

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Our Top-5 Stocks and Holdings

Our TOP 5 Stocks and Holdings

Over the years of running various sites, and including our work here at Cashflows & Portfolios over the last few years, the founders (Mark and Joe) have received many requests to share what our portfolios looks like, why, how we’re investing and what companies we are thinking about buying more of over time as DIY self-directed investors. Well, to help answer some of those questions…

Spread the love

Why the 4% Rule Doesn’t Work for Early Retirement (FIRE)

The 4% rule is a common rule of thumb in many retirement planning circles, including the Financial Independence, Retire Early (FIRE) community in particular. But…we don’t really like it for FIRE! What does the 4% rule actually mean? Should the 4% rule be used for any FIRE-seeker? Does the 4% rule really matter to retirement planning at all? Read on to find out our final…

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What’s your Retirement Number?

what is your retirement number

When you hear the word“retirement” or phrase “retirement number” – do you get excited? Do you cringe? Do feel something in between? For today’s post, based on a few of our own members lessons learned – to pay it forward to others – we’re going to share a few key steps as best practices – what they do and why to determine their own retirement…

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Could Loud Budgeting Work for You?

loud budgeting

Good money management requires two types of literacy: the financial part of knowing how to save, invest and manage your cashflow and portfolio. The other part is the behavioural part since money management like a healthy diet, like frequent exercise, comes down to real actions. For these reasons, could ‘Loud Budgeting’ work for you? Hey, why not! Even though TikTok is new, the concept is…

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Die with Zero – Review and Giveaway

die with zero

“The real golden years – the period of maximum potential enjoyment because we have the most health and wealth – mostly come before the traditional retirement age of 65.” – Bill Perkins, Die With Zero. Indeed. Any intuitively, we all know this. Yet so many of us might be giving up years of semi-retirement or retirement enjoyment only to find out we’ve saved too much…

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Best Posts of 2023

best of 2023

Wow, another year almost into the history books! Where does the time go?? I don’t know about you, but both Joe and I are excited to see what 2024 brings…including market returns. :) On that note, it seems hard to fathom how 2024 could be as good as 2023 has been to date. At the time of writing this post just before the holidays, returns…

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