Long-Term Investing

Do Any Personal Finance Rules Add Up?

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…

How to Start Investing for Beginners

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? What accounts should you start investing with? Should you buy: funds/ETFs or individual stocks? Today’s post answers those questions and…

When Beat the TSX (BTSX) works and when it doesn’t!

In previous posts on our site, we highlighted the investing concepts behind Beat the TSX (BTSX) to juice your retirement income. In today’s updated post, we’ll highlight when the BTSX strategy works and when it doesn’t including so far in 2023! Along the way, we’ll remind you about our interview with an early retiree that not only follows this strategy…

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…

Are You Making Some of These Common Portfolio Mistakes?

One problem that DIY investors can face is dealing with is the persistent urge to tinker with any portfolio. So, we wondered: Are you making some common portfolio mistakes? On that theme, common portfolio mistakes to avoid, we believe there is no perfect portfolio – just yours – which is why owning a reasonable portfolio is good enough. Bad things…

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…

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