The Plan


Paying as little as 1% in investing fees can easily add up to hundreds of thousands of dollars in lost wealth for you.  Learn how to avoid investing fees.


A Simple Plan:

1.  If you employer has a retirement plan where they contribute to your retirement, sign up for it – Free money is always good.

2.  Pay off all your debts (except mortgage debt).

3. Set up a self directed trading account with your bank or an independent like Wealthsimple or Questrade.

4. Every year until you’re 65 years old, save 10-15% of your income in your TFSA and/or RRSP.  If you save money with your employer, reduce the amount of your savings.  

5.  Invest that money in a low cost ETF like Vanguard’s VGRO, or VEQT or VBAL.



Some of what you will learn by reading the blog, or by sending me your questions.   

  • RRSPs vs. TFSAs
  • benefits of investing when you are young
  • the value of low cost investing
  • What a broad index ETF is and what’s so good about them
  • what the experts say about how much of your income you should save
  • how CPP (Canada Pension Plan) and OAS (Old Age Security) fit into your savings plan
  • how do RESPs work
  • how company pension plans change your investing 
  • what can change the amount of saving required (married, own home, kids)
  • how and where to set up a self directed investing accounts