Physician Finance Canada — Personal Finance Investing & Wealth For High Income Professionals

Personal Finance Podcast Appearance

March 9, 2019 The Loonie Doctor Featured Posts, Loonie Bin

I have no illusions about being cool. That was twenty years ago. If even then. Right now, I’ll settle for “not totally embarrassing to be seen in public with”. Regardless, I made my first appearance on a podcast this past week. I think that is pretty cool. It was on The Personal Finance Show produced[…]

Robocorp Four Fund Tool: ETF Portfolio Optimization Made Simple

February 22, 2019 The Loonie Doctor Featured Posts, Financial Planning Physiology

It is common advice for DIY investing beginners to keep it simple. There is an excellent rationale for this. The very act of purchasing that first ETF is scary for many. More than two or three ETFs means more math. Trying to juggle the complexities to match investment types across different account types – paralyzing[…]

The ETF Arsenal: Weapons Used To Arm A Basic Robocorp Portfolio & Their Role

February 15, 2019 The Loonie Doctor Featured Posts, Financial Anatomy 101

Different holdings serve different functions within your overall portfolio. This post will review the different ETFs used in the Robocorp “Rookie” basic portfolio building tool. Robocorp is simply an aid for you as a DIY investor. So, it is important for you to understand what you are using, and why, as you build a portfolio[…]

Assessing Risk Tolerance & Asset Allocation

February 9, 2019 The Loonie Doctor Featured Posts, Financial Planning Physiology

It is important to understand the role that the different holdings in your portfolio play. The Robocorp Canadian portfolio building tool is simply an aid for you as a DIY investor. You need to make sure that your investment plan is suitable. So, it is vital to know what different assets are intended to do[…]

Building A Tax Efficient Portfolio Just Got Easier: Introducing Robocorp

February 1, 2019 The Loonie Doctor Featured Posts, Financial Planning Physiology

There are many ways to build a portfolio and multiple factors to consider like risk tolerance, fee drag, diversification, and tax efficiency. We also need to keep the goals of why we are investing, such as building financial capital for retirement, as a compass to guide us. In building towards that end-game, we should also[…]

Blog Update

January 25, 2019 The Loonie Doctor About

Those who follow Loonie Doctor regularly will note that I disappeared from my usual weekly posting in early December. I have had a bit of a blogging set-back due to breaking my left hand while sparring at karate. Apparently, teenager-bones are flexible while middle-aged-man-bones are crunchy. I got a couple of titanium screws put in[…]

Can You Retire Without Investing? Maybe.

December 7, 2018 The Loonie Doctor Featured Posts, Financial Planning Physiology

There are a couple of arguments that I have heard people use to stop the discussion about investing cold. We examined the assertion that investing is simply gambling last week. Gambling is a good way to lose your money. So, it is important to invest rather than gamble. However, all investing still carries some risk.[…]

Investing – Why Take The Gamble?

December 1, 2018 The Loonie Doctor Featured Posts, Financial Planning Physiology

It is conventional wisdom to assess your risk tolerance and invest accordingly. However, I have also heard a number of criticisms of this approach. Much can be learned from examining both sides of an argument. There are often some nuggets of truth. In the next two posts, I will examine one of those arguments that[…]

Home Equity Investment Loans – Leveraging The Loonie Bin For Income Splitting

November 24, 2018 The Loonie Doctor Featured Posts, The Sim Lab

I recently did a post on leveraging your home equity to invest and building the taxable account of a lower income spouse. That strategy is part of intermediate-term income splitting. Whether using an investment loan against your home to fund investing is a good idea or not depends on multiple factors including: Whether a taxable[…]

Bond Risks & Volatility: Not All Bonds Are All Equally Soothing

November 16, 2018 The Loonie Doctor Featured Posts, Financial Planning Physiology

Not all bonds are equal for soothing the beast. To achieve the best investing results in the real world, we need to avoid the bad investor behaviors driven by our emotions. One approach to that while building our portfolio is to use some bonds. The effectiveness of bonds for soothing our inner emotional investor beast depends on[…]