The all-weather portfolio. Ready for most anything. - Cut the Crap Investing
The all-weather portfolio is designed to be ready for all economic conditions, including inflation or stagflation. Here's a 2022 portfolio.| Cut the Crap Investing
The all-weather portfolio is designed to be ready for all economic conditions, including inflation or stagflation. Here's a 2022 portfolio.| Cut the Crap Investing
How to protect against inflation. Many think that stocks always work. That is not the case. Commodities are the true inflation fighters.| Cut the Crap Investing
Take those Canadian bank earnings to the bank, on the Sunday Reads.| Cut the Crap Investing
Estate planning basics, on the Sunday Reads.| Cut the Crap Investing
The 2025 Canadian Financial Summit took flight this past week. It features presentations from a who’s who in the Canadian financial education space, and then it includes a few also -rans such as me, Dale 😉 the creator of Cut The Crap Investing and Retirement Club. My presentation covered the most common mistakes in retirement. […] The post Estate planning basics, on the Sunday Reads. appeared first on Cut the Crap Investing.| Cut the Crap Investing
Schwab’s SCHD is a popular U.S. dividend ETF that has been disappointing investors for a long time. Does that disappointment mean that the fund is going to shine when (if) the AI bubble bursts? And speaking of shining, we’ll take a look at gold. Can it go even higher? Plus, Canada’s most defensive sector ETF […] The post Schwab’s SCHD, the defensive Canadian ETF portfolio, and gold shines on the Sunday Reads. appeared first on Cut the Crap Investing.| Cut the Crap Investing
The Canadian Financial Summit begins on October 22nd. I'm back at the Summit where I'll discuss common mistakes in retirement.| Cut the Crap Investing
For investors and retirees, Canadian telco stocks delivered the wrong numbers for a few years. While the Canadian stock market offered double digit returns, the telcos moved into a new area code called ‘the land of no returns’. Let’s ring up a few more telco puns, shall we? It was quite the disconnect. Telcos are […] The post Calling the bottom on Canadian telco stocks, on the Sunday Reads. appeared first on Cut the Crap Investing.| Cut the Crap Investing
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
Today we’ll look at the core Canadian equity ETFs that you might use when you build a global ETF portfolio. The Canadian stock market is dominated by financials and energy. It is not a well-diversified index. It might be a case of pick your poison, a level of ‘undiversification’. That said, the weakness of the […] The post Core Canadian equity ETFs for your ETF portfolio, on the Sunday Reads. appeared first on Cut the Crap Investing.| Cut the Crap Investing
Can you retire with one million dollars? Of course there are many questions to answer first. At what age? How much will you receive in government benefits? Are you single or with spouse? How much debt will your carry into retirement? What lifestyle do you want to live in retirement? Do you want to leave […] The post Can you retire on one million dollars in Canada? Plus, the Sunday Reads. appeared first on Cut the Crap Investing.| 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
You can’t keep a “good” oligopoly down. The big Canadian banks giveth and taketh in generous fashion. This past week delivered the generous earnings of the big Canadian banks. They take too much in fees from everyday banking. They take too much in fees from investments and advisory services (generally poor). But if you’re a […] The post Take those Canadian bank earnings to the bank, on the Sunday Reads. appeared first on Cut the Crap Investing.| 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
Global portfolios are up nicely in the first half of 2025. Plus, the Sunday Reads.| Cut the Crap Investing
Creating more equal baskets of retirement income between spouses can be a great benefit. Using the spousal RRSP should not be overlooked.| 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
Canadian self-directed investors often build a Canadian blue chip stock portfolio. Then they look for U.S. ETFs, or a total global solution.| 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
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
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
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
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
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
