Long-Term Investing

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…

Be Mindful of these Personal Finance Biases

We’d like to believe we’re all rational, logical, and well-thought-out human beings. Well, that’s a hard no! For today’s post, since we enjoy reading about and learning more about psychology including personal finance behaviour and biases, we thought we’d list and describe how to be mindful of these personal finance biases. These biases will influence your judgments, beliefs, and decisions…

Is now the time to change your investing plan?

This has been a wild investing year to date, no doubt. But maybe this time it’s different? Your diamond hands holding some crypto assets might have turned to stone. Stocks are getting hammered, even some beloved dividend paying stocks are well down in price. Bonds offer no place to hide. Real estate is correcting too. Cash is getting eaten by…

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 post, we’ll highlight the Beat the TSX (BTSX) strategy, when it works, when it doesn’t, and just as importantly chat with a passionate, early-retiree that not only follows this strategy but writes about it extensively as a…

Beat the TSX (BTSX) for Retirement Income

The investing concepts behind Beat the TSX (BTSX) to juice your retirement income are rather simple, but there are some considerations for any investor to ponder before going all-in. In today’s post, we’ll highlight the Beat the TSX (BTSX) strategy, why it works, and some of the potential drawbacks of this approach so you can make an informed decision as…

ETFs You Should Avoid Buying and Why

At Cashflows & Portfolios, we have stated a few times over that new investors (or even established investors) may want to consider investing in broad market Exchange Traded Funds (ETFs) to build wealth. That said, not all ETFs are created equal! Today’s post is about some ETFs you should avoid buying and why – because they are not in your…

Bonds vs. GICs – Which is Better?

Even for seasoned investors, during times of market volatility, there is a tendency for investors to shift their mindset from capital growth to capital preservation. So, for capital preservation, are bonds or GICs better? Which is better, when? We’ll unpack that a bit in today’s post and offer our take on how we manage our portfolios, along with insights from clients…

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