Closet Indexing: Revealing The Dirty Little Secret Of Canada’s Mutual Fund Industry

For years I’ve railed against Canada’s mutual fund industry for high fees, conflicts of interest, underperformance, poor disclosure, and lack of accountability. But today I’m going to zero-in on another…

Quarterly Net Worth Update: Q2 2021

Hey hey hey!  We’re back with another quarterly update. But first, a few announcements: The annual Plutus Award is open for nomination. Last year, this blog was one of the…

The Vanguard Effect on Mutual Funds, Fees and Performance

Vanguard is best known in Canada for its low cost, passively managed ETFs. Indeed, since entering the Canadian market in 2011, Vanguard now boasts a line-up of 37 ETFs with…

Weekend Reading: Used Car Prices Edition

One of the more interesting economic fallouts from the global pandemic is the impact it’s had on used car prices. Rental car agencies sold a good portion of their fleets…

The Path To Coast FIRE

For years I’ve been motivated to reach financial freedom by 45. I started a side hustle to accelerate our savings goals, and eventually turned that into a full-time entrepreneurial pursuit.…

Reframing The RRSP Advantage

I’ve read a lot of bad takes on RRSP contributions and tax rates over the years. One that stands out is the argument that you should avoid RRSP contributions entirely,…

My Eat Sleep Breathe FI Interview

My good friend Chrissy over at Eat Sleep Breathe FI recently launched her How Much Does It Cost To Live The FIRE Life? Interview Series earlier this year where guests…

Where Should We Go Next?

For us, summer is the worst time to travel. It’s expensive, it’s crowded, and families take advantage of this time to go somewhere with their kids before school starts in…

Weekend Reading: Embracing Simplicity Edition

Do-it-yourself investors face a number of behavioural hurdles when it comes to building an investment portfolio. We look to past performance to guide our future investing decisions – ignoring evidence…

Net Worth Update: 2021 Mid-Year Review

Our net worth surpassed the million-dollar mark at the end of last year. It was a goal I had been chasing since I began sharing net worth updates back in…