Welcome

Cashflows and Portfolios is a free online resource providing beginning-to-end content for all Do-It-Yourself (DIY) investors. We offer a free newsletter to your inbox offering wealth-building tips; suggestions; retirement case studies; and more to help you manage your retirement nest egg over time. We also offer personalized low-cost financial projections services beyond all the free content to support all DIY investors by DIY investors!

Check out our low-cost Retirement Projections Services here!

Learn about who we are, why we do what we do, and how we intend to support all DIY investors as DIY investors ourselves right here.

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DO YOU HAVE ENOUGH TO RETIRE?

If financial projections and retirement readiness are what you are after, we using some professional financial software (software that we are using for our own plans in fact), and making it available to you in our affordable and value-packed membership options. With this powerful software, we provide a detailed report(s) that answers questions specific to your financial situation and assumptions such as:

  • Do I have enough to retire?
  • When can I retire?
  • Will I run out of money in retirement?
  • What is the most I can spend in retirement?
  • How much of a financial legacy can I leave behind?
  • Should I take CPP at age 65 or 70?
  • How do I minimize OAS clawback?
  • Which account (and when) should I withdraw from for the highest tax efficiency and estate value?

Featured articles

What is the Bucket Approach, and Does it Work?

the retirement bucket approach

In a previous post on our site, we asked: What’s your retirement number? The genesis behind that post was sharing the best practices from our members, their own lessons learned – to pay it forward to others. Implied in that post was a Bucket Approach. Read on… One of the concepts in that post was to ensure “when in doubt, add financial cushion” is what…

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Our Top-5 Stocks and Holdings

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 answer some of those questions…

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Why the 4% Rule Doesn’t Work for Early Retirement (FIRE)

The 4% rule is a common rule of thumb in many retirement planning circles, including the Financial Independence, Retire Early (FIRE) community in particular. But…we don’t really like it for FIRE! What does the 4% rule actually mean? Should the 4% rule be used for any FIRE-seeker? Does the 4% rule really matter to retirement planning at all? Read on to find out our final…

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Latest articles

Do Any Personal Finance Rules Add Up?

personal finance rules

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 work can be very effective…

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Best GIC Rates in Canada

best gic rates in canada

Because rates change so quickly, we’re back with this updated post thanks to various member questions and feedback. Read on, and enjoy! As you well know, to build wealth, it takes more than savings to compound away to grow your portfolio into something meaningful. That said, keeping cash savings secure or guaranteed in some cases can be very smart. What are GICs? What are the…

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Top Year-End Tax Season Tips

top year end tax season tips

Gosh, almost the holiday season already?? While you might be focused on other things this holiday season, the end of the calendar year is also a great time to get recharged and financially reorganized before another year approaches. Before you get too busy with your holiday chores, here are some of our favourite year-end tax season tips to save money now and build wealth later….

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How to Decumulate Assets in Retirement

how to decumulate assets in retirement

Most of the wealth management industry is biased to asset accumulation, for many obvious reasons, but at some point, as an aspiring semi-retiree or a retiree, you’ll need to consider how to decumulate assets in retirement. Today’s post will tackle some of our thoughts on that, our current approaches, along with what we’ve learned from the experiences of our valued readers and clients to share…

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Please Stop. Of Course, You Can Retire with Millions!

yes you can retire with millions

Really, these articles need to stop. Yes, you can retire with your millions. Here are some actual headlines from some newsworthy outlets or bloggers or financial experts and authors… Primary source: https://newsroom.bmo.com/ Source: X/formerly Twitter Source: Washington Post. From that Post article: “Things happen. . . If you have $20, $30, $50 or $100 million, be like me, okay? If you have that kind of…

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Could You Retire if the Global Financial Crisis Happened Again?

Could you retire if The Global Financial crisis happened again?

Could you retire if the Global Financial Crisis happened again? With stocks tanking recently this summer along with rumours of another recession looming thanks to our existing housing crisis in Canada coupled with higher interest rates – we think this is a legitimate question to ask. You might recall The Global Financial Crisis (GFC) turned a few retirement dreams into investing nightmares. Stocks plunged in…

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How to Start Investing for Beginners

how to start investing in canada

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 much more with references to…

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

when beat the tsx BTSX works

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 but writes about it extensively…

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Are You Making Some of These Common Portfolio Mistakes?

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 can happen to good investors…

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