The Canadian asset allocation ETFs changed the investment landscape in Canada. In a single ETF you can own a well-diversifed managed global portfolio with fees in the area of 0.20%. This is a wonderful (life-changing) upgrade over high-fee Canadian mutual funds. Canadians pay some of the highest investment fees in the world. High fees are […]
Creating retirement income with iShares asset allocation ETFs.
The Canadian asset allocation ETF portfolios are game changers. Most Canadians who are still with an advisor should consider leaving said advisor and instead, invest in these investment options. They are so superior to poor-performing high-fee Canadian mutual funds. Those mutuals funds usually come with a salesperson not an advisor. You pay for the salesperson, […]
Building the Canadian blue chip stock portfolio.
The good news is that it is easy to build a very good Canadian blue chip stock portfolio. In fact if you buy enough of ’em and exhibit very good behaviour (buy and hold and add) you will likely beat the TSX Composite over time. Well, if history repeats you’ll thrash the TSX. You can […]
Globe & Mail Retirement Cash Flow Review. Relying on inheritance.
The Globe & Mail offers ongoing real-life retirement funding (cash flow plan) scenarios. They also invite a financial planner to offer their opinion. They call the series Financial Facelift. A recent article caught my eye. I thought I would give it a go using a popular free use retirement software that allows DIY retirees and […]
Can Canadian retirees count on Old Age Security?
I have suggested that Canadians can most likely count on the Canada Pension Plan (CPP) to be there when they retire. There is no cry to lessen that pension plank, in fact the CPP program is being enhanced by the government of the day. That said, the current form of Old Age Security is facing […]
Inflation is Kryptonite to bonds, on the Sunday Reads.
Bonds may be the adult in the room, but they are certainly afraid of inflation. Bonds usually do their thing – they go up when stock markets get hit hard. They provide ballast. During periods of expected high inflation, or during rising inflation bond prices go down. That can create and contribute negative returns. The […]