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Retirement: Should You Use the 4% Rule?

Blog, Retirement

While I was going through my research about retirement withdrawing strategies, I’ve seen several articles discussing the 4% rule withdrawing strategy. In general, I’m against pretty much any rule of thumb used or suggested in the investing world as everybody’s situation is unique. This means, that we don’t have the same money, same lifestyle and same investing strategy. Therefore, how can a rule of thumb be applied? Investing is very personal and there is more than a single good answer to a …

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4 Steps to Manage your Retirement Portfolio

Blog, Retirement

It is quite funny to read all those articles about investing when you are accumulating wealth. There are tons of them on how to build and grow your portfolio. However, it becomes more complicated when you search for articles about managing a retirement portfolio. You work your whole life and you put money aside. Then, one day you finally quit your job for good and retire. Congratulations! You did it! You are now free to do whatever you want, whenever you want. You can travel, eat out and achieve …

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June Dividend Income Report

Blog, Dividend Income Report

In September 2017, I received slightly over $100K as a result of the commuted value of my pension plan. I decided to invest 100% of this money into dividend growth stocks. Each month, I publish my results. I don’t do this to brag, I do this to show you it’s possible to build a portfolio during an all-time high market. The market will crash... eventually. In the meantime, I’d rather cash some juicy dividends! Portfolio holdings Numbers are as at June 30th 2018: Canadian portfolio …

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My Favorite Quote – This Time is Different

Blog, Investing Strategy

Two weeks ago, I noticed a “flash news” showing the Bitcoin price and I thought “OMG! This thing is going down now!” To be honest, I wrote one piece on Bitcoin back in September 2017. I’m not an expert in blockchain technology and I don’t pretend I know everything. However, when pro-Bitcoin investors get my favorite quote as their main argument, this is where I start to get very cautious. What’s the quote? “The thing is, we have never experienced anything like this before” Or if you prefer the …

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Should You Compare GIC Rates with Dividend Yield?

Blog, Dividend Growth, Investing Strategy, Principles

*This article is for more beginner investors, but it was inspired by many emails I received. If you follow this blog from time to time, you have already noticed how much I prefer dividend growth stocks on top of high yielding companies. Some may think that it’s because of my age (36) and that I have about 50 years to invest my money. But the real reason is because I rather focus on my total return than my yield. In the end, if my portfolio yields 7% but has lost 25% of its value over the …

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Things That could Ruin Your Retirement Portfolio Part III

Blog, Investing Strategy, Retirement

I think the biggest retirees’ concern regarding their portfolio is probably the fear of losing money. During all those years, you have worked very hard and saved every penny you could. Then, you turned around and invested this hard-earned money in the hope of building a comfy nest egg for the day you will finally stop working. You finally hit your magical number and say “goodbye” to your boss for the very last time. Your coworkers throw a retirement party, you have a few renovations planned on …

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