Michael James
@mjonmoney.bsky.social
Investor seeking good financial choices. Former math/engineering guy in high tech. Blogger at michaeljamesonmoney.com (no ads!)
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...
www.michaeljamesonmoney.com/2010/09/defe...
Defending the All-Stock Portfolio
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 20, 2025 at 9:51 PM
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...
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?
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?
December 19, 2025 at 1:56 PM
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?
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?
Reposted by Michael James
New: Alternative investments
www.michaeljamesonmoney.com/2025/12/alte...
www.michaeljamesonmoney.com/2025/12/alte...
Alternative Investments
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 11, 2025 at 8:37 PM
New: Alternative investments
www.michaeljamesonmoney.com/2025/12/alte...
www.michaeljamesonmoney.com/2025/12/alte...
My spreadsheet emailed me this morning saying it's time to rebalance my portfolio again. I guess stocks went up more than I noticed lately. I'm glad computers are paying attention so I don't have to.
December 12, 2025 at 4:06 PM
My spreadsheet emailed me this morning saying it's time to rebalance my portfolio again. I guess stocks went up more than I noticed lately. I'm glad computers are paying attention so I don't have to.
New: Alternative investments
www.michaeljamesonmoney.com/2025/12/alte...
www.michaeljamesonmoney.com/2025/12/alte...
Alternative Investments
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 11, 2025 at 8:37 PM
New: Alternative investments
www.michaeljamesonmoney.com/2025/12/alte...
www.michaeljamesonmoney.com/2025/12/alte...
Reposted by Michael James
New: How should you plan for your spending to change throughout retirement?
www.michaeljamesonmoney.com/2025/12/how-...
www.michaeljamesonmoney.com/2025/12/how-...
How Should You Plan for Your Spending to Change Throughout Retirement?
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 8, 2025 at 2:06 PM
New: How should you plan for your spending to change throughout retirement?
www.michaeljamesonmoney.com/2025/12/how-...
www.michaeljamesonmoney.com/2025/12/how-...
New: How should you plan for your spending to change throughout retirement?
www.michaeljamesonmoney.com/2025/12/how-...
www.michaeljamesonmoney.com/2025/12/how-...
How Should You Plan for Your Spending to Change Throughout Retirement?
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 8, 2025 at 2:06 PM
New: How should you plan for your spending to change throughout retirement?
www.michaeljamesonmoney.com/2025/12/how-...
www.michaeljamesonmoney.com/2025/12/how-...
Spoke to a guy from California who claims to have moved 3/4 into crypto after the last US election. Didn't trust the admin to run the economy properly. What if crypto goes down even more? He 'knows' that can't happen. Once again I failed to talk someone away from crazy risk.
December 6, 2025 at 8:52 PM
Spoke to a guy from California who claims to have moved 3/4 into crypto after the last US election. Didn't trust the admin to run the economy properly. What if crypto goes down even more? He 'knows' that can't happen. Once again I failed to talk someone away from crazy risk.
BMO Investorline's AI recommends leverage for me. This is clearly a bad idea for someone who is retired. It also seems strange to get this kind of advice from a platform that is supposed to be "order execution only."
December 6, 2025 at 2:46 PM
BMO Investorline's AI recommends leverage for me. This is clearly a bad idea for someone who is retired. It also seems strange to get this kind of advice from a platform that is supposed to be "order execution only."
I watched hoarding up close for many years. It's a powerful psychological force. If you have a storage unit, consider the possibility that you're just hoarding.
www.michaeljamesonmoney.com/2010/09/self...
www.michaeljamesonmoney.com/2010/09/self...
Self-Storage: Exploiting People’s Weaknesses
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 3, 2025 at 9:45 PM
I watched hoarding up close for many years. It's a powerful psychological force. If you have a storage unit, consider the possibility that you're just hoarding.
www.michaeljamesonmoney.com/2010/09/self...
www.michaeljamesonmoney.com/2010/09/self...
Reposted by Michael James
New: Helping Do-It-Yourself investing beginners
www.michaeljamesonmoney.com/2025/12/help...
www.michaeljamesonmoney.com/2025/12/help...
Helping Do-It-Yourself Investing Beginners
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 2, 2025 at 2:18 PM
New: Helping Do-It-Yourself investing beginners
www.michaeljamesonmoney.com/2025/12/help...
www.michaeljamesonmoney.com/2025/12/help...
New: Helping Do-It-Yourself investing beginners
www.michaeljamesonmoney.com/2025/12/help...
www.michaeljamesonmoney.com/2025/12/help...
Helping Do-It-Yourself Investing Beginners
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 2, 2025 at 2:18 PM
New: Helping Do-It-Yourself investing beginners
www.michaeljamesonmoney.com/2025/12/help...
www.michaeljamesonmoney.com/2025/12/help...
Modern Portfolio Theory treats correlations between investments as constant across the spacing of samples (monthly, annually, etc.), but this isn't how it works in the real world. Here's an example to illustrate the problem: www.michaeljamesonmoney.com/2010/09/unde...
Understanding Correlation
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
November 30, 2025 at 1:23 PM
Modern Portfolio Theory treats correlations between investments as constant across the spacing of samples (monthly, annually, etc.), but this isn't how it works in the real world. Here's an example to illustrate the problem: www.michaeljamesonmoney.com/2010/09/unde...
By the time I'm forced to convert my RRSPs to RRIFs, I will have been withdrawing from my RRSPs for more years than I contributed to them. Yet they'll still have enough assets for my future. That's the power of compounding.
November 30, 2025 at 12:19 AM
By the time I'm forced to convert my RRSPs to RRIFs, I will have been withdrawing from my RRSPs for more years than I contributed to them. Yet they'll still have enough assets for my future. That's the power of compounding.
The complex rules around credit card points are designed to make shopping addicts feel like they're playing 3D chess when they're really just feeding their addiction. If you pay interest then you've lost the game.
November 29, 2025 at 2:22 PM
The complex rules around credit card points are designed to make shopping addicts feel like they're playing 3D chess when they're really just feeding their addiction. If you pay interest then you've lost the game.
Does buying a house make you more financially responsible? www.michaeljamesonmoney.com/2010/07/does...
Does Buying a House Make You More Financially Responsible?
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
November 28, 2025 at 10:56 PM
Does buying a house make you more financially responsible? www.michaeljamesonmoney.com/2010/07/does...
Reposted by Michael James
New - Book review: The Wealthy Barber
www.michaeljamesonmoney.com/2025/11/book...
www.michaeljamesonmoney.com/2025/11/book...
Book Review: The Wealthy Barber
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
November 17, 2025 at 12:35 PM
New - Book review: The Wealthy Barber
www.michaeljamesonmoney.com/2025/11/book...
www.michaeljamesonmoney.com/2025/11/book...
Reposted by Michael James
Dave opens up to Preet about the weight of rewriting a Canadian classic — and what made this version harder to write. Watch here: thewealthybarber.com/video/the-pr...
The Pressure of Updating "The Wealthy Barber" - The Wealthy Barber
The Pressure of Updating “The Wealthy Barber” Dave opens up to Preet about the weight of rewriting a Canadian classic — and what made this version harder to write. 💈💈💈 Did you have any baggage about t...
thewealthybarber.com
November 17, 2025 at 6:42 PM
Dave opens up to Preet about the weight of rewriting a Canadian classic — and what made this version harder to write. Watch here: thewealthybarber.com/video/the-pr...
New - Book review: The Wealthy Barber
www.michaeljamesonmoney.com/2025/11/book...
www.michaeljamesonmoney.com/2025/11/book...
Book Review: The Wealthy Barber
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
November 17, 2025 at 12:35 PM
New - Book review: The Wealthy Barber
www.michaeljamesonmoney.com/2025/11/book...
www.michaeljamesonmoney.com/2025/11/book...
"I've stopped trying to save money in this house." Apparently, my wife and I don't see eye-to-eye on spending decisions.
November 6, 2025 at 3:22 PM
"I've stopped trying to save money in this house." Apparently, my wife and I don't see eye-to-eye on spending decisions.
New: Book Review: Wealthier - The Investing Field Guide for Canadian Millennials
www.michaeljamesonmoney.com/2025/11/book...
www.michaeljamesonmoney.com/2025/11/book...
Book Review: Wealthier - The Investing Field Guide for Canadian Millennials
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
November 6, 2025 at 3:21 PM
New: Book Review: Wealthier - The Investing Field Guide for Canadian Millennials
www.michaeljamesonmoney.com/2025/11/book...
www.michaeljamesonmoney.com/2025/11/book...
Reposted by Michael James
New: What is the goal for decumulation?
www.michaeljamesonmoney.com/2025/10/what...
www.michaeljamesonmoney.com/2025/10/what...
What is the Goal for Decumulation?
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
October 27, 2025 at 3:56 PM
New: What is the goal for decumulation?
www.michaeljamesonmoney.com/2025/10/what...
www.michaeljamesonmoney.com/2025/10/what...
New: What is the goal for decumulation?
www.michaeljamesonmoney.com/2025/10/what...
www.michaeljamesonmoney.com/2025/10/what...
What is the Goal for Decumulation?
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
October 27, 2025 at 3:56 PM
New: What is the goal for decumulation?
www.michaeljamesonmoney.com/2025/10/what...
www.michaeljamesonmoney.com/2025/10/what...
This is my 8th year of drawing down my RRSP to reduce lifetime taxes. Despite this "RRSP meltdown," during that time my balance is up 75%! This stock market performance has been amazing. I keep reminding myself not to get used to it.
October 23, 2025 at 9:05 PM
This is my 8th year of drawing down my RRSP to reduce lifetime taxes. Despite this "RRSP meltdown," during that time my balance is up 75%! This stock market performance has been amazing. I keep reminding myself not to get used to it.
New book review: The Wealth Ladder
www.michaeljamesonmoney.com/2025/10/book...
www.michaeljamesonmoney.com/2025/10/book...
Book Review: The Wealth Ladder
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
October 21, 2025 at 12:25 PM
New book review: The Wealth Ladder
www.michaeljamesonmoney.com/2025/10/book...
www.michaeljamesonmoney.com/2025/10/book...