Long-Term Investing

Is Living Off Dividends a Mistake?

Passionate readers of this site and fellow DIY investors in Canada will know both of us here at Cashflows & Portfolios (along with many site subscribers and members as well!), have some form of plan to “live off dividends” during some semi-retirement or retirement years. However, we wanted to explore this question: is living off dividends a mistake? Read on…

Is now the time to change your investing plan?

2022 was a wild investing year. Stocks and bonds both crashed. This year, so far at least, things are on the upswing with stocks year to date but Mr. Market is always a very fickle guy! Last year: Anyone with “diamond hands” (holding some crypto assets) might have had their hands turned to stone – these assets tanked. (Bitcoin lost…

Our Top-5 Stocks and Holdings

Over the years of running various sites, and including this new venture here at Cashflows & Portfolios in the last two 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…

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….

Best ETFs for your RRSP

You’ve saved and contributed to your RRSP for this tax year. Kudos! Now, what do you buy? Well, if you want to invest inside your RRSP using Exchange-Traded Funds (ETFs), you’ve come to the right place.¬†We believe these are some of the Best ETFs for your RRSP. Best ETFs for your RRSP Why ETFs? Let’s be clear: there are a…

Could You Retire if the Global Financial Crisis Happened Again?

Could you retire if the Global Financial Crisis happened again? The Global Financial Crisis turned a few retirement dreams into investing nightmares. Stocks plunged in value during this period and evaporated the retirement savings of many, that took decades to build. This crisis further exacerbated other looming financial problems: there were plummeting home values, stagnating wages, and the crisis triggered…

RRSP Deadline and Contribution Limit

Before we start, as quick reminder, the RRSP contribution deadline for 2023 is March 1, 2023. Read on! There are a lot of RRSP questions going around, especially during RRSP season. This is why we have this comprehensive post so you can find everything you need to know about the RRSP in one spot! What is an RRSP and how…

Top Tax Tips for Retirees

We spend a lot of time on our site helping and talking to many retirees, semi-retirees and Canadians preparing for their financial independence dreams. On that note, as the end of another calendar year approaches and with a new year ready to begin soon we thought we’d share a few of our top tax tips for retirees. Read on for…

TFSA vs. RRSP – Why the TFSA wins

A quick search will highlight lots of articles that debate whether it is beneficial to invest inside the Tax-Free Savings Account (TFSA) or use the Registered Retirement Savings Plan (RRSP) for retirement. We’ll be blunt for today’s post: while it can “depend” we believe the TFSA wins over the RRSP for a few key reasons that every adult Canadian should…

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