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Robinhood is one of the most popular online brokerage firms today, especially among younger investors who actively trade. During COVID, Robinhood famously restricted trading in 13 stocks on January 28, 2021. As a result, thousands of investors were unable to buy or sell, and billions of dollars in value swung during the freeze. Robinhood does […]
How Robinhood’s Venture Fund Listing Could Impact Fundrise Venture Read More »
Ingrid* is stressed. She is 68, retired, and on her own since her husband died seven years ago. Her current income is just enough to cover expenses with “little left.” But she wants to undertake a major renovation of her home and make sure her portfolio is able to generate at least $80,000 after tax
B.C. widow worried about retirement income with OAS clawbacks Read More »
From 2009, when I started writing about FIRE, until now, the FIRE movement has had a great run. It was born out of the 2008-2009 global financial crisis, when hundreds of thousands of people were losing their jobs. In order to cope with the sudden disruption to their economic livelihoods, the concept of FIRE was
The FIRE Movement Is So Back Thanks To AI Disruption Read More »
In an attempt to better understand the potential discount or premium to NAV for the Fundrise Innovation Fund (VCX), I wanted to examine Pershing Square Holdings, ticker PSHZF, listed on the London Stock Exchange. Pershing Square manages over $18 billion and is run by American, Bill Ackman. Meanwhile, the fund currently trades at about a
Why Pershing Square Holdings Trades At A Deep Discount To NAV Read More »
Canada’s high cost of living is eroding the confidence of its residents when it comes to their retirement plans. Two-thirds of Canadians say inflation has made it difficult to save for retirement, while 74 per cent said high prices have added to the concerns that their retirement nest egg may not be enough, according to
Posthaste: Increasing cost of living is eroding Canadians’ retirement confidence Read More »
Q. Will you review the financial plan prepared for me by a certified financial planner? I am 65, single and have a good income, but I’m scared I don’t have enough money to retire even though the plan says I do. —Kate FP Answers: Hi Kate. Reading your question started me wondering about two things.
‘Chicken Little’ worth about $4 million is scared she won’t have enough to retire on Read More »
At 69 and 73 respectively, Marie* and Jonathan are just about to start withdrawing from their investment nest egg to fund their lifestyle. Up until this summer, Marie worked part time, earning about $3,000 a month. She wants to replace that earned income with investment income, but is concerned they may not have enough savings
Still working after 65, couple wonders if they can afford to retire Read More »
There is supposed to be no such thing as free lunch in this world, but an unnecessary number of Canadians will be a lot hungrier at retirement because they gave up that offer on a platter. We spend endless hours looking for ways to maximize investments, but a guaranteed 100 per cent return through employers’
There’s an endless debate over whether real estate or stocks are the better asset class. Although I’m a fan of both, I just realized the feel-good wealth effect adds another feather to real estate’s cap. In my post about avoiding the real estate frenzy zone if you want to get the best deal, I highlighted
Why the Feel-Good Wealth Effect From Real Estate Beats Stocks Read More »
Borrowing to fund your registered retirement savings plan (RRSP) or your tax-free savings account (TFSA) may seem tempting at this time of year, as promotions abound, especially for RRSP loans. But does it actually make sense? The answer depends on which plan you are targeting, how much you expect to make on investments, your appetite
Garry Marr: Borrowing to fund your TFSA or RRSP is tempting — but is it worth the risk? Read More »
One of the reasons I’ve been a long-time supporter and affiliate partner of Fundrise is its willingness to innovate. Since its founding in 2012, shortly after the JOBS Act opened private investments to retail investors, Fundrise has consistently looked for ways to democratize access to institutional-quality investments. From launching diversified private real estate funds like
What Fundrise’s Innovation Fund NYSE Listing Means for Investors Read More »
Whether you’re just entering the workforce or moving into your retirement years, you are likely grappling with the question of how to get the most out of Canada’s two main tax-deferred savings accounts. The tax-free savings account (TFSA) allows Canadians aged 18 and up to make limited after-tax contributions each year that grow tax-free and
Could retirement really be just a year away? Arnold*, 56, and Heather, 60, are hoping the answer is yes. The Ottawa-based couple have been running the numbers and scenario planning. They anticipate they will need to generate $118,730 after tax annually in retirement, which includes about $15,000 for travel. The empty nesters would also like
Should Ottawa couple defer CPP and OAS if they retire early next year? Read More »
If you are a FIRE adherent, then you have likely mastered the art of saving and investing aggressively. While your neighbors and colleagues splurge on new cars, fancy vacations, and clothes, you are quietly deploying your excess cash flow into index funds, private investments, and real estate. You buy every dip. You dollar cost average
Having Kids Is The Best Way To Decumulate Wealth When FIRE Read More »
Roughly 43% of my net worth is in real estate, my favorite asset class to build long term wealth for the average person. Real estate was my primary reason for being able to generate enough passive investment income to leave work in 2012. It has also been responsible for two of my largest capital gains
2026 Real Estate Outlook: Better Times Ahead For Investors Read More »
Q. I’m a 58-year-old woman living in Hamilton, Ont., and I would like to retire at age 65. I have a small mortgage on my bungalow of about $140,000. As for savings, I have $50,000 invested outside registered accounts, all in Canadian blue-chip dividend paying stocks. I also have $60,000 in a balanced exchange-traded fund
By many objective measures, 2025 was a good year. Investment returns were solid. I published another bestseller in Millionaire Milestones. My kids are healthy, happy, and continuing to grow in loving environments. On paper, I should feel satisfied. But the reality is different. The downside of writing consistently, responding to hundreds of questions, managing the
New Year’s Resolutions 2026: Less Optimizing, More Living Read More »
Soaring stock markets helped boost the solvency of Canadian defined-benefit (DB) pension plans to a record high at the end of 2025, according to a new report by Mercer (Canada) Ltd. The median solvency ratio of 471 DB pension plans was 132 per cent on Dec. 31, 2025, a record high based on data going
Happy New Year 2026 everyone! With another year wrapped up, I thought I’d do a 2025 year in review so I can one day look back fondly as an old man. Overall, I give the year an A for effort, which is all I can really control. Unfortunately, the result didn’t match the effort, as
2025 Year In Review: A For Effort, B Minus For Results Read More »
In July 2009, I started Financial Samurai to make sense of the financial destruction unfolding at the time. I had been toying with the idea since 2006, when I graduated part time from UC Berkeley’s business school, but kept kicking the can down the road. After losing around 40 percent of my net worth in
The Best Of Financial Samurai 2025: Over 100 Million Readers Served Read More »