The TSX tops 30,000 for the first time. The Canadian stock market has topped the U.S. market in 2025. Also, gold shines on the Sunday Reads.| Cut the Crap Investing
The RRSP meltdown might be a Canadian retiree's greatest retirement hack. We lean on the RRSP/RRIF to enable larger CPP and OAS payments.| Cut the Crap Investing
On the Sunday Reads we're checking in on my wife's Canadian blue chip portfolio. Offering lower volatility and market returns, so far.| Cut the Crap Investing
The Tax Free Savings Account (TFSA) is one of the greatest gifts to Canadians. While misnamed, the TFSA is true to its name. It is tax free in every way. While the money that goes into your TFSA is after-tax money (you’ve already paid tax to create the funds), the TFSA account continues to grow […]| Cut the Crap Investing
In 2010 the Globe & Mail offered a simple Canadian stock portfolio idea. It was also called the Canadian Essentials Portfolio. The portfolio concept was courtesy of political science professor Mike Henderson who singled out the companies for the essential roles they play in the Canadian economy. He identified the companies in the year 2000 […]| Cut the Crap Investing
On the Sunday Reads we're creating monthly income with a look at asset allocation ETFs. VRIF pays 4%, BMO T-series ramps that up to 6%.| Cut the Crap Investing
The good news for Canadians who build their own stock portfolios is that if you simply buy enough of those blue chip companies, and then get out of your own way, you’ll likely be a very successful investor. At least on the Canadian equity front. Research shows that big ‘boring’ blue chip stocks outperform the […]| Cut the Crap Investing
In the Globe & Mail, John Heinzl springs the truth on readers. Dividends feel good but they don't contribute to wealth creation.| Cut the Crap Investing
On Twitter I was asked what the heck is going on. “I don’t get it” offered a follower and blog reader. The Canadian economy is entering a rough patch, things are supposed to get much worse, and Canadian stocks are surging higher. In fact, the TSX Composite just reached an all-time high. More proof, that […]| Cut the Crap Investing
Risk is the price of admission for the wealth building opportunity presented by equities. We might even enjoy those lower stock prices.| Cut the Crap Investing
The market gives Trump the thumbs down in the first quarter of 2025. Defensive assets rise to the ocassion, plus the Sunday Reads.| Cut the Crap Investing
We're looking at Canadian utility stocks and ETFs on the Sunday Reads. Other defensive sectors include consumer staples and healthcare.| Cut the Crap Investing
Canadians should avoid most mutual funds. The fees are too high, and the returns are too low. We'll look at RBC and TD Bank funds.| Cut the Crap Investing
The Wall Street Journal offers that the magnificent 7 are so last year. Cash cows are the new Kings. A WSJ article looks at ETFs that seek out the most cash flow rich companies. Free cash flow is generally defined as money left over after expenses and capital expenditures that a company can return to […]| Cut the Crap Investing
10 years ago I sold our U.S. equity ETFs and started our U.S. stock portfolio, with a quality skew. Plus, the Sunday Reads.| Cut the Crap Investing
Justwealth is one of Canada’s leading Robo Advisors. And once again, that ‘Robo’ moniker might be more than misleading when it comes to Justwealth and all of the robo’s. There is advice and guidance and help available. And certainly, the Canadian Robo Advisors offer various levels of financial advice, services and investment offerings. It’s more […]| Cut the Crap Investing
iShares U.S. Quality Dividend ETF XDU.TO is crushing Schwab's SCHD in 2024. There's better performance with less volatility. Sign me up.| Cut the Crap Investing
For Canadian investors there’s nothing more interesting or perhaps important than the banking sector. The Canadian banks have historically crushed the Canadian and U.S. stock markets. It is likely the best performing large cap sub sector in North American stock market history. Of course, past performance does not guarantee future returns. When investing in the […]| Cut the Crap Investing
In the Sunday Reads I outline my the rationale for selling half of my Bell (BCE) position. The proceeds went to a U.S. equity ETF.| Cut the Crap Investing
This post looks at the core ETF portfolio performance over the last several years. The returns have been quite generous.| Cut the Crap Investing
It's a low yield environment these days, but you can make your cash work a lot harder at EQ bank. The high interest savings account pays 1.5%| Cut the Crap Investing
When you invest in the RESP at Justwealth you gain access to their target date portfolios, specifically designed for RESP's. They adjust risk by year.| Cut the Crap Investing
In the Sunday Reads we’ll look at the expected path to rate cuts in Canada. The most aggressive estimates have the Bank of Canada down to 2.75% in 2025. We’re currently at 4.5%. There is also the likelihood of rate cuts in the U.S. in 2024 due to some softer economic reports this past week. […]| Cut the Crap Investing
When creating retirement income, the 4% rule suggests we can spend 4% of the portfolio value each year. Let's look at the range of outcomes.| Cut the Crap Investing
