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Save, invest, prosper with My Own Advisor. Weekend Reading – Top Canadian Dividend ETFs Hi Folks! Welcome to a new Weekend Reading edition, on the subject of Top Canadian Dividend ETFs along with other Exchange Traded Fund considerations for your portfolio. You can find an updated post on that subject right here and a brand new YouTube video on our channel here… Early retiree thanks to DIY investing in stocks and ETFs. The article Weekend […]
Most of the decisions we make in retirement planning become easier once you understand why you are making them, but that does not mean they always feel intuitive. Investing is a good example. You spend your working years accumulating savings, often with the understanding that accepting some market risk is necessary to grow your money. Once you retire, continuing to expose those savings to market losses can feel much harder to justify. You have spent […]
Robo-advisors have gone from a niche experiment born during the 2008 financial crisis to a mainstream way to invest, with the industry now managing well over $1 trillion in U.S. assets and projected to keep climbing toward multi-trillion-dollar territory by the end of the decade. Vanguard alone runs the largest platform, with Betterment, Wealthfront, Schwab, and Fidelity Go rounding out the field of high assets under management (AUM) robos. So are they actually worth using, or just a cheaper way to get a mediocre portfolio? Like most things in personal finance, the honest answer is “it depends.” Here’s a breakdown of the real pros and cons. This article may contain affiliate links which means that – at zero cost to you – I might earn a commission if you sign up or buy through the affiliate link. What Is a Robo-Advisor, Exactly? A robo-advisor is a digital platform that builds and manages an investment portfolio for you using algorithms instead of (or alongside) a human. You typically start by answering a short questionnaire about your age, goals, income and risk tolerance. The platform then assigns you a diversified mix of low-cost ETFs or index funds, invests your money automatically, and rebalances the portfolio over time to keep it aligned with your target allocation. Some robo-advisors are purely algorithmic. Others are “hybrid” models that pair the automated portfolio with access to a human advisor, either included in the fee or available as a paid add-on. Many offer additional services such as high-yield cash accounts and ESG portfolios. Wealthfront Cash offers 3.95% interest rate promo (new clients) The Pros of Robo-Advisors 1. Lower fees. This is the single biggest draw. Traditional financial advisors often charge around 1% of assets under management or more. Robo-advisors typically charge a fraction of that. Many automated advisory management fees fall between roughly 0.15% and 0.50%, on top of the low expense ratios of the underlying ETFs. Over decades, that fee gap can significantly change how much wealth you end up with. 2. Low or no account minimums. Robo-advisors made professionally managed portfolios accessible to people who could not have afforded a traditional advisor. Some platforms let you start investing with just $10, which is a big deal for younger investors, people on tight budgets, or anyone just getting started. Wealthfront – Low Fees + Personalized Portfolios 3. Easy to use and available 24/7. You can open an account, answer the risk questionnaire, and be invested within minutes, all from your phone. Unlike a financial planner who might work banker’s hours, a robo-advisor’s app is always there, which suits people with unpredictable schedules or those who simply want to check in on their own time. 4. Professionally built, diversified portfolios. Robo-advisors typically construct portfolios using a handful of broad ETFs spanning stocks, bonds, and sometimes international or alternative assets. For investors who don’t want to research and hand-pick their own funds, this institutional-style diversification can be an upgrade over a self-built, home-brew portfolio. 5.
We compare the returns on Premium Bonds, Saving Accounts and Mutual funds to review which may be the best investment for you. The post Where Should I Put My Money? Premium Bonds vs Savings Accounts vs Index Funds (A 12-Month Test) appeared first on The Financial Wilderness.
The post Flowers Foods Dividend Cut Because of Debt and Leverage appeared first on Dividend Power. Flowers Foods, Inc (FLO) cut its dividend due to debt, leverage, and declining sales and income. Soft operating and financial results combined with a leveraged balance sheet pressured the dividend safety. The firm had a 23-year streak of increases and Dividend Contender status, which it lost after the cut. The share price has declined since late 2022 with little […]
This one is a doozy. As you may have heard, Telus cut their dividend by about 55%. This was a big one for the portfolio and my annual dividend income dropped by about $1200. It will take quite a lot more money invested to make … Read moreJuly 2026 Dividend Income Update The post July 2026 Dividend Income Update appeared first on Genymoney.ca.
The month of July 2026 is another month of dividend income landing in my accounts. Due to becoming debt free, I changed my pay myself model. Starting the beginning of August 2021, I am paying myself 30%, just like before. This will now consist of […]
The post Understanding Dividend Cuts: Causes and How to Protect Your Investments appeared first on Dividend Power. Dividend-paying stocks are popular among investors because they provide a steady stream of income while offering the potential for long-term capital appreciation. However, dividend payments are never guaranteed. Companies can reduce or even eliminate their dividends when financial circumstances change, a situation known as a dividend cut. Understanding dividend cuts is an essential part of successful investing because these […]
This page contains a Yield on Cost Calculator for stocks, ETFs, and mutual funds. Enter your choice of ticker and purchase date (and optionally, the price you paid and amount invested) and it estimates the dividend yield on your original cost basis, how that yield has grown, and how the yield compares to the security’s current yield. Yield on cost calculator Interactive Content Here: Visit on DQYDJ to view. Using the Yield on Cost calculator […]
On this page is a Historical Dividend Yield Calculator for stocks, ETFs, and mutual funds. Enter your choice of ticker and see the security’s dividend yield history: average and median yield over multiple windows, high and low yields with dates, and a comparison of today’s yield with your ticker’s own history. Historical dividend yield calculator Interactive Content Here: Visit on DQYDJ to view. Using the calculator Enter your ticker, then hit Analyze Yield. As you […]
What the heck is depreciation recapture, or unrealized depreciation, or unrecaptured depreciation? You’ve owned a rental property for a few years, and it’s worked out pretty well. You’ve made a little bit of money most years. You’re looking forward to cashing out the profits! And then you get the tax bill. Oh my! You now… | Read More… The post Understanding Depreciation Recapture Taxes on Rental Property appeared first on KateHorrell.
When I shared our Gold Coast money-saving tips on Facebook, something brilliant happened. Hundreds of NZ families who’d been there themselves piled in with their own advice – things we’d missed, things we’d got wrong, and insider knowledge you won’t find in a tourist brochure. So here it is: our original tips plus everything the … Read more
Don’t miss an episode of our podcast, Personal Finance for Long-Term Investors. Available on all podcast players. Here’s the latest episode: I was chatting with friend-of-the-blog Geff this past week. He’s a true Boglehead, a long-time investor in broad US-based index funds. Geff asked me whether / why international stocks are needed in portfolio construction. It’s a fair question. There are two main reasons why some people lean all-US: US stocks have historically outperformed international stocks. Why invest in underperformers? Many modern US companies are multinational. You get pseudo-international exposure by owning them. Coca-Cola, for example, gets ~60% of its revenue outside of the US. But it’s part of US stock indices. Despite these two true facts, I still think international exposure is important in portfolio construction. The Performance Track Record Since 1970 (when most data sets begin listing international indices), the US vs. international returns look like this: USA – 11.1% per year International – 9.3% per year Though “only” a 1.8% difference between 11.1% and 9.3%, that’s a huge difference when compounded over the 55-year period. The US market would have turned $1 in 1970 into $357 today. The same dollar in an international index would have only grown to $147. Big difference! But It’s Cyclical… The chart below shows a bit of the “cyclicality” of US outperformance vs international outperformance. If we believe in John Bogle’s “iron rule of investing” – reversion to the mean! – then we might believe that someday, not sure when, international markets will outperform the US for a period of time. On and on, back and forth. I don’t want to be a cherry-picker, but I think a worthwhile question to ask is: Given the proposed cyclicality of USA vs. international performance, what if we go back to ~2010, when this current period of US outperformance started? In other words – let’s measure from 1970 to 2010. In that 40-year period, the returns are: USA – 10.0% per year International – 10.1% per year Interesting! Very similar performance over that 40-year period. And since 2010 through the end of 2025? USA – 14.1% per year International – 7.2% per year 40 years of “even” performance, and then a most-recent 15-year period of clear US outperformance. Will that US outperformance continue in perpetuity? A good question to ponder. Are You Betting Your Portfolio On It? Are you willing to bet your portfolio on future US outperformance? I see both sides of the argument. The strongest argument toward “100% US stocks” is that a US-based investor with USD liabilities has a legitimate currency-matching reason to overweight US assets. They aren’t making an active investment bet, but instead matching their future USD liabilities to assets (stocks) denominated in USD. But I much prefer the “global diversification” arguments. If markets are informationally efficient, then prices reflect all available information, and the risk-adjusted