Financial Planning by the Decade: A Primer
Financial planning is important at every stage of life and age – for success. We know. We’ve realized our own Financial Independence dreams and at Cashflows & Portfolios, via our low-cost services here, we also see great financial success in many of our clients who have taken many financial matters into their own hands too. The specifics of your personal…
Should You Invest Like the Canada Pension Plan?
Should you invest like the Canada Pension Plan? The inspiration for this subject and our thoughts for this post was the recent release of the Canada Pension Plan (CPP) Investment Board report – that highlighted the plan generated a net return of 7.8% for the fiscal year 2026, pushing its total net assets to $793.3 billion. Over the long-term, the…
TFSA Contribution Room and Limit, Penalties, and Everything in Between
The Tax Free Savings Account (TFSA) is a gift to all Canadians. I mean, who doesn’t love tax-free money or better still, money that grows tax-free?! I know we do – especially when you count for the fairly large TFSA contribution limit/room now available (more below). How much can you contribute to the TFSA? How much growth can you expect…
How to Invest in 2026
How to Invest this Year Hey Readers! Welcome to a new investing year that is bound to have many twists and turns. Related to the rest of the year ahead, we hope that comes on the heels of a 2025 investing year that was kind to you. Certainly, from a return point of view, another huge year of returns. Here…
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. We love doing that in a low-cost way compared to the expensive alternatives out there! In 2025, we helped dozens of DIY investors with low-cost reports – we provided them with their own personalized retirement income…
Investing Principles We Believe In
As a follow-up to our popular post entitled How we manage our money and with recent inspiration from Ben Carlson’s post related to things he doesn’t believe in, we thought it would be fun to post an article about our own investing principles we believe in. This list today includes our own, shared philosophies when it comes to money management…
What Asset Class Returns are Expected in the Future?
Winners among asset classes keep rotating, in terms of the best returns delivered to investors in any given year, but we were curious to find out what asset class returns you could expect in the future. Read on in our latest post to learn about some market history and what headwinds might be in store for expected asset class returns….
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….
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…
RRSP Deadline and Contribution Limit 2025
Before we start, a reminder, the RRSP contribution deadline for the 2024 tax year is March 3, 2025. This is 60 days after the end of the 2024 tax year. There are more details to learn and benefit from in today’s post – read on!