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…

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…

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…

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…

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