Episode
The Complete Canadian Investing Framework: Account Location, Portfolio Construction, and Why Simplicity Wins
- Podcast
- Calm Money Coach
- Published
- Mar 27, 2026
- Duration seconds
- 707
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Summary
I have done individual deep dives on cash allocation, account location, portfolio construction, TSX vs S&P 500, and asset classes. This episode ties all of it together into one complete framework. What I cover: Why your behavior costs 10 to 30 times more than your ETF structure, and the $160K threshold where optimization actually starts to matter. Why Canada being 3% of global equities means the TSX alone is not a portfolio. 125 years of return data showing dominance rotates between Canadian and US markets in decade-long cycles. How Canada taxes four types of investment income completely differently and what that means for where you put each ETF. The account location cheat sheet for TFSA, RRSP, and non-registered accounts. What the research says about gold, Bitcoin, TIPS, REITs, and why bonds are genuinely attractive again. The lump sum vs dollar cost averaging data, the behavioral science behind why it feels so hard, and Ben Felix's reframe that changed how I talk to clients about it. A five-step action framework you can implement this week. Every claim in this episode is sourced to named research from PWL Capital, Vanguard, Morningstar, Dimson Marsh Staunton, Charles Schwab, BlackRock, Kahneman and Tversky, and others. Website: calmmoneycoach.com This episode is for educational purposes only and does not constitute personalized financial advice.