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An average guys journey to managing and growing his money by investing in index funds and attempting to make smart financial decisions.
Read latest article: August/September 2017 - Investment portfolio growth

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August/September 2017 – Investment portfolio growth

If you read my June/July update, you saw that my key theme was don't panic! August and September show why that pays off.  My index fund investments made steady gains over the 2 months, paying off in my TFSA and my RRSP.  My overall assets didn't make a lot of gains between August and September 2017, but as you can see below, that's due to my car value going down (which is a pretty arbitrary number based on the average asking price provided by Canadian Black Book) and me going on vacation and using some of my short-term savings for it. Overall Assets TFSA TD e-Series Index Funds Lot's of …

Compare Tangerine MasterCard to Scotia Momentum VISA Infinite

Over the last year or so, I’ve used my Tangerine MasterCard as my main method of purchase. I put every purchase on my credit card, pay it off completely every month, and reap the rewards that the credit card offers me. But due to Tangerine changes, it was time to make a switch to a new card. Let’s look at the data and compare Tangerine MasterCard to Scotia Momentum VISA Infinite. Tangerine MasterCard Rewards When I signed up for the no fee Tangerine MasterCard more than a year ago, the rewards worked as follows: 2% rebate on any 2 spending categories of my choosing (Groceries, …

Step-by-step: How to switch to Tangerine (Part 2)

In Part 1, we started to learn the process of how to switch to Tangerine for your day to day banking. I showed how to prepare to switch banks, how to become a Tangerine client, and how to open a savings account. Now we'll look at opening a new chequing account with Tangerine, and how to switch over your automatic payments. Part 1: Preparing, becoming a client, and openings a saving account Part 2: Opening a chequing account, transferring incoming and outgoing payments Step 3: Open a free chequing account Now that you're a client with Tangerine, with a new Savings account, it's …

Finance Guides

Step by step: How to buy TD e-Series Index Funds through TD Direct Investment

I’ve written a guide on the differences between investing in TD e-Series funds through a TD Mutual Fund Account and a TD Direct Investment Account.  I’ve also written how to buy and rebalance your e-Series funds through the TD Mutual Fund Account. Now let’s look at how to buy TD e-Series Index Funds through TD Direct Investment accounts. Before you start Before you can start trading using TD Direct Investment, you’ll need to setup some accounts.  This can be done online or in person by setting up a meeting with a TD Direct Investment rep from your local bank.  If you already have a …

Moving from TD Mutual Funds to TD Direct Investment

In previous posts I’ve talked about the differences between investing in TD e-Series funds through a TD Mutual Fund account and a TD Direct Investment account.  Both are good options, and many start with the simpler path of investing through a TD Mutual Fund account.  Eventually, this may not meet your needs anymore, and you'll need to move from investing through TD Mutual Funds to TD Direct Investment. Recap: TD Mutual Fund Account vs TD Direct Investment Account To make sure we are all on the same page, let’s quickly go over the 2 ways you can invest in TD e-Series funds. TD Mutual Fund …

TD e-Series Funds – what are they, where do I buy them, and how much do they cost?

If you are just getting started with DIY investing, you may have a few questions about TD e-Series Index Funds.  Specifically, what are they? Where can you buy them? And what fee’s are associated with them? Let’s look at the basics about TD e-Series Index Funds. What are TD e-Series index funds? TD e-Series Index Funds are low cost, low maintenance index funds. They are available to purchase through a TD EasyWeb Mutual Fund account or a TD Direct Investment account. They provide a passive investment option with low MER’s (Management Expense Ratio) for Do-it-Yourself investors that can be …

Latest posts

August/September 2017 – Investment portfolio growth

If you read my June/July update, you saw that my key theme was don't panic! August and September show why that pays off.  My index fund investments made steady gains over the 2 months, paying off in my TFSA and my RRSP.  My overall assets didn't make a lot of gains between August and September 2017, but as you can see below, that's due to my car value going down (which is a pretty arbitrary number based on the average asking price provided by …

Compare Tangerine MasterCard to Scotia Momentum VISA Infinite

Over the last year or so, I’ve used my Tangerine MasterCard as my main method of purchase. I put every purchase on my credit card, pay it off completely every month, and reap the rewards that the credit card offers me. But due to Tangerine changes, it was time to make a switch to a new card. Let’s look at the data and compare Tangerine MasterCard to Scotia Momentum VISA Infinite. Tangerine MasterCard Rewards When I signed up for the no fee …

Step-by-step: How to switch to Tangerine (Part 2)

In Part 1, we started to learn the process of how to switch to Tangerine for your day to day banking. I showed how to prepare to switch banks, how to become a Tangerine client, and how to open a savings account. Now we'll look at opening a new chequing account with Tangerine, and how to switch over your automatic payments. Part 1: Preparing, becoming a client, and openings a saving account Part 2: Opening a chequing account, …

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