The Hot Potato Portfolio

Norman Rothery’s Heated-Up Version of the Couch Potato Portfolio The Original Couch Potato Portfolio The original Couch Potato Portfolio came from a 1991 article by Scott Burns, then a writer at the Dallas Morning News. He advocated for a simple two-fund portfolio using index mutual funds. One...

Read More

Sequence of Returns Risk

Coping with the Uncertainty of Investment Returns Imagine that you have been putting away $10,000 at the beginning of each year from 2002 until 2019. For the sake of this example, taxes and commissions are excluded; you have been investing that money into the Canadian stock...

Read More

Taxation of Investment Income

An Introduction to Tax Planning – Part 4 You think of yourself and your spouse along with your two children as an average family. Like me you are a resident of London, Ontario. Between the two of you, you earn about $80,000 per year or about...

Read More

Passive Indexing vs. Active Management

An Introduction to Investment Planning – Part 7 In the world of investment funds, passive investments that track an index are relatively recent innovations. In the US, John Bogle, the founder of Vanguard, launched a mutual fund in the 1970s that tracked the S&P 500 Index....

Read More

The ETF: Building a Better Fund?

An Introduction to Investment Planning – Part 5.6 Is the ETF a Better Fund? Tax Efficiency Due to the differences in the way mutual funds and ETFs are created and redeemed, there tends to be bit more tax efficiency in the case of ETFs. Therefore, if you have...

Read More