Long-Term Investing

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…

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. To learn about the best ETFs in Canada for building wealth, you’ve come to the right place! 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 we…

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….

How You Can Take Advantage of Inflation

For years, after the Great Financial Crisis (GFC), inflation stayed low – until now. Are there ways to take advantage of inflation? Is some inflation good? How might you invest as inflation roars ahead? Read on to learn about our takes, what we’re doing, and why. Understanding inflation and inflation in context Generally speaking, inflation is the general rise in…

When the RRSP actually beats the TFSA

In a recent post, we told you many reasons why the TFSA “wins” over the RRSP. Well, there are some cases in our opinion when the RRSP actually beats the TFSA as an investment account. Read on why the RRSP actually beats the TFSA for a few reasons in this updated edition of the TFSA vs. RRSP debate. The TFSA…

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…

Should you use an All-Weather Portfolio?

Stock market volatility can and will happen, which can really spook many investors. To help with that, should you use an all-weather portfolio for changing market conditions? Would an all-weather portfolio be best long-term? How would I build an all-weather portfolio using Canadian ETFs? Read on and find out our take, including the pros and cons of this all-weather investing…

Avoid These 5 Big RRSP Mistakes

The Registered Retirement Savings Plan (RRSP) is also one of our favourite accounts to build long-term wealth with, and the same should apply to you. On that note, it’s also an account that can trigger huge opportunity costs if not used wisely. For today’s post, we’ll share how you can avoid these 5 big RRSP mistakes – in your asset…

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