Global portfolios are up nicely in the first half of 2025. Plus, the Sunday Reads.| Cut the Crap Investing
Retirement tip: use the spousal RRSP account on the Sunday Reads.| Cut the Crap Investing
Income splitting is one of the most useful strategies in retirement. And here’s a retirement tip that is often missed – taking full advantage of the spousal RRSP account. The spousal RRSP account allows a higher income spouse to transfer funds into the hands of a lower income spouse. Those funds will grow tax free; […] The post Retirement tip: use the spousal RRSP account on the Sunday Reads. appeared first on Cut the Crap Investing.| Cut the Crap Investing
Here we go again. Or with respect to our stock portfolios and net worth perhaps the right framing is ‘here we grow again’. And once again, it is tech stocks driving the market in the U.S. While a stellar earnings report from Shopify gave the Canadian markets a jolt. Shopify is once again the most […]| Cut the Crap Investing
Canadians should avoid most mutual funds.| Cut the Crap Investing
Most Canadian self-directed investors are hybrid investors. They build a blue chip Canadian stock portfolio, they diversify with U.S. and International ETFs. They might choose a Global X-Canada ETF that covers the international markets in one ETF. The hybrid approach is a mix of stocks and ETFs. It’s a wonderful way to build wealth; the […] The post We’re looking for U.S. ETFs on the Sunday Reads. appeared first on Cut the Crap Investing.| Cut the Crap Investing
There are three major pillars for your retirement income in Canada. There’s Government Benefits, Personal Savings and the Employer Pension. The Canada Pension Plan (CPP) and Old Age Security create the Government Benefits. We might consider that part of our pensionable earnings as the amounts are ‘guaranteed’ and indexed to inflation. At times we can […] The post You can count on your CPP payments to be there, on the Sunday Reads. appeared first on Cut the Crap Investing.| 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 identifed the companies in the year 2000 […] The post The blazingly simple portfolio shines in a Canadian’s TFSA. appeared first on Cut the Crap Investing.| Cut the Crap Investing
I have just updated the returns for the Canadian asset allocation ETFs. The returns over the last year and three years can be described as abnormal returns. So much so that I had to double check the performance for the equity markets that fuelled this incredible run. How did they do it? Over the last […] The post The abnormal returns for the Canadian asset allocation ETFs. appeared first on Cut the Crap Investing.| 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 first half of 2025 is in the books, and perhaps in the history books. Against all odds global stocks have delivered over 10% in U.S. Dollars in 2025. The U.S. market (S&P 500) offered about 5.7%. Of course the economic backdrop (noise) is a U.S. President hell-bent on a global tariff war and an […] The post Global portfolios are up nicely in the first half of 2025. Plus, the Sunday Reads. appeared first on Cut the Crap Investing.| Cut the Crap Investing
Oil and gas stocks can protect you from a geopolitical energy shock. They are a traditionally an inflation hedte as well.| Cut the Crap Investing
Hello 2025 – Investing in the zero visibility age on the Sunday Reads.| 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
The year 2025 offered the third bear market for U.S. stocks in the last 6 years. That is surprising in itself. Canadian stocks didn’t go into a bear market but they did fall by near 13%. The good news for readers of this blog is that Canadian defensive stocks rose to the occasion. South of […]| 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
Not a big surprise, as BMO's Low Volatility ETF ZLB-T outperforms with positive returns to date during considerable market volatility.| 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
Are the asset allocation ETFs the best funds available in Canada? You can own well-diversified global portfolios with low fees in one click.| Cut the Crap Investing
Hello 2025. We're entering the Trump years, also known as investing in the zero visibility age, on the Sunday Reads.| Cut the Crap Investing
About Dale I am a still-recovering 🙂 former award-winning advertising writer and creative director who packed up his pen and laptop in early 2013 and made the move to Tangerine to help Canadians discover lower fee index investing. As you may know, Canadians pay some of the highest fees in the world. It was not […]| 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 not the lowest fee option. Justwealth is the top-performing Canadian Robo Advisor. I wouldn't argue if you called them the best Robo.| 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
The Tangerine Cash Back Credit Card is often ranked as the top cash back card in Canada. It pays 2% cash back in 3 spending areas, with no annual fees.| Cut the Crap Investing
Canadian stocks posted a 3.33% gain for the week. It was the second consecutive week of solid gains after the near panic on Monday August 5th. U.S. stocks were up 4% while international stocks were up 3.5%. It was a week of fireworks and champagne cork popping for equities. It’s OK to celebrate, especially if […]| 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
Tech stocks are taking a breather as investors rotate from high flying tech to stocks and sectors that offer more attractive valuations.| 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
We're selling VDY to build a Canadian stock portfolio. It's the VDY Plus portfolio - VDY skims plus more wide moast and more oil and gas.| Cut the Crap Investing
In this Sunday Reads we look at updated returns for the Beat The TSX Porfolio, the Canadian Wide Moats and a shareholder yield screen.| Cut the Crap Investing
The investonomic smorgasbord on the Sunday Reads.| Cut the Crap Investing
