Welcome
Cashflows & Portfolios is a free resource providing a beginning-to-end guide for Do-It-Yourself investors. The journey begins with how to budget and generate cash flow; how best to invest that cashflow; onto using the nest egg to fund the next phase of life – retirement).
We (Mark and Joe) are personal finance bloggers with a combined experience of over 25 years in helping Canadians with their finances. Using this experience, we created this site to provide you with actionable steps towards your financial goals. Both of us are in our 40’s, and like many of you, we started from scratch. Using the steps and strategies outlined in this site has allowed us to build significant 7-figure portfolios that are leading the way to financial independence (more about us 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
How Your Side Hustle Can Help You Retire Earlier
As you well know from this site, we love case studies! We enjoy posting case studies since we believe any retirement related drawdown case studies can help people see themselves in such examples. During the pandemic, that caused so many impacts to so many people on various levels, many folks decided to take income matters into their own hands and develop a side-hustle. This provided…
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 for some thoughts and risks…
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 about 60% of its value!)…
Latest articles
Cash FLOW is King
You may think or have heard the mantra “cash is king” but I have news for you. Cash flow is king. For a business to succeed, understanding your cash flow is essential. The same premise applies to your household finances. Simply put, cash flow is the movement (i.e., flow) of money into and out of your possession. Positive cash flow is very desirable. It means…