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
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…
What is the Longevity Pension Fund and should you own it?
Back in 2021, there was a lot of buzz about the Purpose Investments Longevity Pension Fund and for good reason – it sought out to solve a number of big problems that retirees face. A couple of years later, has this fund fulfilled its promise? What is the Longevity Pension Fund and should you own it? Read on in our updated post and reflections since…
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…
Latest articles
The Truth about Retirement Income Planning
If you’ve landed on this page today, you’re already aware that any retirement income planning truly starts with you. You are ultimately the one that must decide how your retirement will look and feel like. It will take some thought. It will take some planning on your part. It may even take some changes. But on this section of our site, however, it is our…
$100 Amazon Gift Card Giveaway Draw!
*** This giveaway is now closed – Congratulations to Trisha! *** $100 Amazon Gift Card Giveaway Draw! Thanks for stopping by Cashflows & Portfolios, a new site dedicated to helping you become wealthier regardless of your stage of life. We (Mark and Joe) are personal finance bloggers that have been around the block (more than once!) with a combined experience of over 25 years in…
The Power of WHY
One of the biggest financial issues we see and hear about today is called ‘Lifestyle Creep’. Simply put, that’s allowing our expenses to creep higher and faster than our income will allow. It’s a consequence of moving towards or staying in a negative cash flow situation. Yet spending money is not a bad thing – in fact on this site – we encourage it! You’ll…
The Four Keys to Investing Success
Like we mentioned in an earlier post, a big part of good financial management starts with cash flow management. Once you get those basics down, you can evolve from there. From saving to investing but also to other elements of financial planning. You can venture into tax planning, insurance management, estate planning and more. We’ll touch on some of those elements later but for the…
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…