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Latest from the CPM Blog

ZDB Explained: A More Tax-Efficient Bond ETF for Canadian Investors

Justin2026-02-19T21:35:02+00:00February 19th, 2026|4 Comments

Most investors optimize stock taxes. Very few optimize bond taxes. In this video, I explain how the BMO Discount Bond Index ETF (ZDB) shifts ret

Why Discount Bonds Are More Tax-Efficient (And Why It Matters)

Justin2026-02-12T22:03:48+00:00February 12th, 2026|2 Comments

Most investors think a bond’s return is just its coupon. And in a taxable account, that misunderstanding can quietly cost you thousands of dolla

XTOT: The Best U.S. Equity ETF?

Justin2026-01-23T13:56:04+00:00January 23rd, 2026|14 Comments

In 1997, George Lucas decided to “improve” the original Star Wars trilogy. He added new CGI creatures, tweaked the lighting, cleaned up the visu

Latest Podcast

Podcast 10: All That Glitters Are Gold ETFs

Justin2021-12-07T14:10:09+00:00October 8th, 2020|17 Comments

In Episode 10 of the Canadian Portfolio Manager Podcast, Justin analyzes the historical returns of gold from 1972 to 2019 to help Canadian invest

More Podcasts

Latest from our Video Tutorial series

Questions? We want to hear them! Occasionally we write posts in response to readers’ questions, so don’t be shy!

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Tips, tools and tutorials for
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Latest from the CPM Blog

ZDB Explained: A More Tax-Efficient Bond ETF for Canadian Investors

Justin2026-02-19T21:35:02+00:00February 19th, 2026|4 Comments

Most investors optimize stock taxes. Very few optimize bond taxes. In this video, I explain how the BMO Discount Bond Index ETF (ZDB) shifts return away from fully taxable interest income and toward more tax-efficient capital gains — without materially changing risk. If you hold bonds in a non-registered account, this may be one of the simplest st

Asset Allocation ETFs

Canadian Portfolio Manager Podcast…Coming Soon!

Justin2019-07-10T01:41:01+00:00July 8th, 2019|16 Comments

Breaking Up With Your Vanguard Asset Allocation ETF

Justin2019-06-24T15:25:26+00:00June 19th, 2019|69 Comments

Tax-Efficiency of Vanguard’s Asset Allocation ETFs

Justin2019-06-24T15:25:49+00:00June 5th, 2019|44 Comments

Breaking News, Familiar Ground: iShares Asset Allocation ETFs

Justin2019-06-24T15:43:27+00:00December 13th, 2018|116 Comments

DIY Investing

Foreign Withholding Tax | International Equity ETFs

Justin2023-01-30T19:06:05+00:00January 30th, 2023|14 Comments

Investing in International Equity ETFs

Justin2022-12-15T15:22:11+00:00December 15th, 2022|7 Comments

Currency Conversion Fees | U.S. Equity ETFs

Justin2022-12-01T14:17:50+00:00December 1st, 2022|13 Comments

Foreign Withholding Tax | U.S. Equity ETFs

Justin2022-11-17T14:00:56+00:00November 17th, 2022|18 Comments

Exchange Traded Funds

2025 All-Equity ETF Returns

Justin2026-01-16T21:37:46+00:00January 16th, 2026|18 Comments

Dimensional Fund Advisors (DFA) vs. Vanguard: Canadian Edition

Justin2025-10-15T13:48:09+00:00October 15th, 2025|10 Comments

Is XEQT More Diversified Than VEQT?

Justin2025-04-02T12:53:06+00:00April 2nd, 2025|4 Comments

Tax-Efficient Discount Bond ETFs

Justin2024-11-26T21:18:59+00:00November 26th, 2024|25 Comments

Portfolio Construction and Management

Bond ETFs vs. GIC Ladders

Justin2022-06-09T17:25:34+00:00June 8th, 2022|56 Comments

Canadian Portfolio Manager: Introducing the “Plaid” ETF Portfolios

Justin2020-04-10T17:31:50+00:00April 9th, 2020|77 Comments

What Should You Do When We Update Our CPM Portfolios?

Justin2020-03-09T15:36:39+00:00March 9th, 2020|10 Comments

A Scotia iTRADE Commission-Free ETF Portfolio Even Costanza Could Love

Justin2017-09-13T17:26:11+00:00September 13th, 2017|12 Comments

Latest Podcast

Podcast 10: All That Glitters Are Gold ETFs

Justin2021-12-07T14:10:09+00:00October 8th, 2020|17 Comments

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Latest from the CPM Blog

ZDB Explained: A More Tax-Efficient Bond ETF for Canadian Investors

Justin2026-02-19T21:35:02+00:00February 19th, 2026|4 Comments

Most investors optimize stock taxes. Very few optimize bond taxes. In this video, I explain how the BMO Discount Bond Index ETF (ZDB) shifts return away from fully taxable interest income and toward more tax-efficient capital gains — without materially changing risk. If you hold bonds in a non-registered account, this may be one of the simplest st

DIY Investing

Foreign Withholding Tax | International Equity ETFs

Justin2023-01-30T19:06:05+00:00January 30th, 2023|14 Comments

Investing in International Equity ETFs

Justin2022-12-15T15:22:11+00:00December 15th, 2022|7 Comments

Exchange Traded Funds

2025 All-Equity ETF Returns

Justin2026-01-16T21:37:46+00:00January 16th, 2026|18 Comments

Dimensional Fund Advisors (DFA) vs. Vanguard: Canadian Edition

Justin2025-10-15T13:48:09+00:00October 15th, 2025|10 Comments

Portfolio Construction and Management

Bond ETFs vs. GIC Ladders

Justin2022-06-09T17:25:34+00:00June 8th, 2022|56 Comments

Canadian Portfolio Manager: Introducing the “Plaid” ETF Portfolios

Justin2020-04-10T17:31:50+00:00April 9th, 2020|77 Comments

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Latest from our Video Tutorial series

Questions about DIY investments and ETF Portfolios?

We want to hear them! Occasionally we write posts in response to readers’ questions, so don’t be shy!

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