Posts by Michael James
Should be called auto-incorrection
Leveraged ETFs don't work the way many people think they work. Here's how they lose money:
www.michaeljamesonmoney.com/2011/07/how-...
Being human makes us too risk seeking sometimes and too risk averse other times. There is a test that most of us fail.
www.michaeljamesonmoney.com/2011/07/irra...
Nearly 15 years ago, I figured out the hard way that currency exchange costs are a big deal.
www.michaeljamesonmoney.com/2011/06/curr...
Many people find tax instalments confusing and scary. They're not so bad once you understand why they exist and how they're calculated.
www.michaeljamesonmoney.com/2011/02/unde...
It's still possible to get into double-taxation trouble with the Home Buyer's Plan as I did many years ago.
www.michaeljamesonmoney.com/2011/02/rrsp...
How tax-free compounding helps. A scenario showing how RRSPs and TFSAs benefit investors.
www.michaeljamesonmoney.com/2011/02/how-...
Whenever I read a strident piece about how the cost of a latte doesn't make a meaningful difference to anyone's finances, I see the author writing to the top quartile of wealth or income and treating the rest as cattle.
Index investing is a statement about personal limitations. But almost all of us have these investing limitations.
www.michaeljamesonmoney.com/2010/12/inde...
New: Beware the practical expedient rule in secondary private equity funds
www.michaeljamesonmoney.com/2026/02/bewa...
New: Beware the practical expedient rule in secondary private equity funds
www.michaeljamesonmoney.com/2026/02/bewa...
A risk-free way to create 7 mutual funds that beat their benchmarks for a decade despite sky-high MERs.
www.michaeljamesonmoney.com/2010/12/how-...
"Pay yourself first" is more complicated than it seems at first.
www.michaeljamesonmoney.com/2010/12/does...
I've been told to take it easy on financial advisors because most of them have their heart in the right place. My thoughts:
www.michaeljamesonmoney.com/2010/12/taki...
The right mindset for trading equities - whether you trade equities daily or annually, here the way to think of the person taking the opposite side of your trades:
www.michaeljamesonmoney.com/2010/11/righ...
New: My investment return for 2025
www.michaeljamesonmoney.com/2026/01/my-investment-return-for-2025.html
New: My investment return for 2025
www.michaeljamesonmoney.com/2026/01/my-investment-return-for-2025.html
AI is great! It can produce wildly wrong answers in one-tenth the time it takes me to fix it.
Modest investment returns are better than they appear when compared to the past.
www.michaeljamesonmoney.com/2010/10/mode...
5 years ago I said that fund fee "disclosures must be expressed in dollars." We've begun doing this with fuller disclosures coming in early 2027. Hopefully, they'll help more investors understand what they pay.
www.michaeljamesonmoney.com/2010/10/futi...
Contradictory Retirement Plans #PFcan #retirement #FinSky #CanadaSky #investing findependencehub.com/contradictory-retirement...
Defending the all stock portfolio - It's interesting that I got a lot of pushback for being 100% in stocks fifteen years ago, but now that stocks have been soaring for years, the idea gets a lot of support.
www.michaeljamesonmoney.com/2010/09/defe...
CRM3 question:
Over the years I've encouraged many clients of the wealth arms of big Canadian banks to ask what they pay in fees. Not one got a straight answer or even an approximate total. Will these wealth arms find a way to avoid the intent of CRM3?