Guides for figuring out money, one topic at a time.
Each guide gathers the posts, backtests, and calculators on a single topic in one place — so you can explore how it works without hopping around. Educational only; nothing here is advice.
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Leveraged ETFs
Leveraged ETFs promise daily multiples of an index — but daily rebalancing means the long-run result drifts from a simple 3x. The gap is the volatility decay, and it gets wider the choppier the market is. These pages explore how these funds actually work, where that decay comes from, what happens in a crash, and how rules-based rotation strategies have backtested against simply buying and holding. Educational only.
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The TFSA
The Tax-Free Savings Account is one of the most flexible tools a Canadian saver has. These pages walk through contribution room, the tax treatment of US dividends inside a TFSA, and tools to plan around it. Educational only — not advice.
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Lazy portfolios
A 'lazy' or couch-potato portfolio is a small set of broad ETFs you rebalance once in a while. These pages backtest the classic mixes — three-fund, Golden Butterfly, All Weather, Permanent Portfolio — in both US and Canadian-listed versions. Educational only.