Know where you stand. Know where you're going.
Choose a model portfolio that fits your goals, with an appropriate balance of return and risk. Measure your real accounts against it. Build long-term savings and retirement plans with Canadian taxes factored in.
Choose a model portfolio. Then measure yourself against it.
A model portfolio gives you a clear benchmark for your investment performance. Start with the questions that matter most:
What are you investing for?
How will I fund my children's education? When can I afford a new car? When can I retire? I'm retired. Now what?
Choose your model
Match your goals and stage of life to a model portfolio that fits your risk tolerance, or build your own. See its expected return and risk, then ask: does this portfolio align with my goals?
Measure yourself against it
Compare your actual accounts with your model using the same cash flows on the same dates. See the impact of cash holdings and your investment decisions, not just the effect of market performance.
Act on the gap
Identify what needs to change. See which trades to make, in which account, and the potential tax cost of each decision.
Sample model. Long-run estimates from asset-class history, not a forecast.
Tracking tells you what happened. The plan is for what comes next.
Savings goals
Set a savings goal, forecast the growth and track the performance. Update your plan as the world changes.
Retirement income
Whether retirement is years away or you're living it today, you need a plan. Know how much sustainable, after-tax income your portfolio can support, and what's left for your estate.
Canadian tax, factored in
Forecast your after-tax retirement income, including RRSPs, TFSAs, RRIFs, Holdcos, CPP, pensions and other sources of income. See the income you can actually keep.
Three steps. No brokerage login, ever.
Imports from all major online brokers, and a spreadsheet template for anything else. Registered and non-registered accounts, GICs, US holdings, cash. Everything valued in Canadian dollars at last close.
Download a statement
Download your holdings from any major online broker. As many accounts as you need.
Import it
We read the holdings, cash and currency, and remember the account for next time.
Daily updates
Updated at every market close, with the next decision flagged when it matters.
Manage your own money. Don't do it alone.
Members are people who manage their own money and want to do it properly. The tools are half of it. The other half is the people who've already faced the decision you're looking at.
Rebalancing a non-registered account: do I sell the winner and eat the capital gain, or add new money to the laggard?
I've used the rebalancing tool for exactly this situation. In a non-registered account, you can set a maximum taxable capital gain, for example $5,000, and the tool finds the best way to move your portfolio back toward target within that limit.
It may recommend selling some of the winner, adding new money to the laggard, or a combination of both.
I like this approach because you decide upfront how much tax you're willing to trigger, rather than letting the tax question prevent you from rebalancing. Of course, if you're only slightly out of balance, doing nothing may be the best choice.
Top answer · 11 members found this helpful
Sample thread. Q&A and articles are for members only.
Ask questions, share experiences, and learn from other DIY investors. Good answers rise to the top, and the conversation becomes a resource for everyone.
A growing library focused on the decisions DIY investors actually face, from building a portfolio to managing it through retirement.
One thoughtful update each month on long-term investing, portfolio management and the issues that matter. No daily noise.
Webcasts, courses, workshops and other ways for members to learn and share. Members will help decide what comes next.
This is a member-influenced organization. Tell us what would make the Club more useful, and help shape the tools, resources and community.
The best ideas don't have to come from us. Learn from people who are on the same journey, ask the questions you've been wondering about, and share what you've learned along the way. No judgement. No pressure. Just a community of people trying to become better investors.
Free through January 31, 2027.
Free for everyone
Every feature, no card needed, through January 31, 2027.
Founding membership
Just $69 per year, and your rate is locked in forever. That's right: no price increases, ever. This exclusive offer is available until April 30, 2027.
Regular membership
$9.99/month or $99.99/year. Cancel anytime.
We were tired of relying on spreadsheets. They're useful for basic tracking, but managing a portfolio, incorporating Canadian taxes, and planning how to turn savings into retirement income is a lot to ask of a spreadsheet. We wanted something better.
Terry Joubert, founder · Read our story
You upload a statement. We never hold a password to your money.
Account numbers and personal details are encrypted at rest.
Built in Canada for Canadian accounts and Canadian tax.
Close your membership and delete everything, any time, from your settings.