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

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…

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…

Latest articles

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…

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…

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…

The Best ETFs in Canada for Building Wealth

The Best ETFs in Canada for Building Wealth

New investors (or even established investors) may want to consider investing in broad market Exchange Traded Funds (ETFs) to build wealth. Thanks to some reader requests, we’ve updated this post for 2023 to highlight the best ETFs in Canada for building wealth. In fact, we’ve reviewed dozens upon dozens of low-cost ETFs so you don’t have to! Listed in the sections below, we’ve assembled what…

Do Any Personal Finance Rules Add Up?

personal finance rules

Dealing with your finances can be very tricky, because it is so very personal. For today’s post, we thought we’d revisit some popular personal finance rules of thumb to see if any of them really add up. Popular personal finance rules Effective money management starts with watching where all your money goes and/or just staying out of prolonged debt. Simple work can be very effective…

Best GIC Rates in Canada

best gic rates in canada

Because rates change so quickly, we’re back with this updated post thanks to various member questions and feedback. Read on, and enjoy! As you well know, to build wealth, it takes more than savings to compound away to grow your portfolio into something meaningful. That said, keeping cash savings secure or guaranteed in some cases can be very smart. What are GICs? What are the…

Top Year-End Tax Season Tips

top year end tax season tips

Gosh, almost the holiday season already?? While you might be focused on other things this holiday season, the end of the calendar year is also a great time to get recharged and financially reorganized before another year approaches. Before you get too busy with your holiday chores, here are some of our favourite year-end tax season tips to save money now and build wealth later….

How to Decumulate Assets in Retirement

how to decumulate assets in retirement

Most of the wealth management industry is biased to asset accumulation, for many obvious reasons, but at some point, as an aspiring semi-retiree or a retiree, you’ll need to consider how to decumulate assets in retirement. Today’s post will tackle some of our thoughts on that, our current approaches, along with what we’ve learned from the experiences of our valued readers and clients to share…

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