Justin Bender

CFA, CFP, B.Comm., Portfolio Manager

With more than a decade of experience managing portfolios, Justin is focused on keeping costs and taxes low for his clients. His skills as an analyst and researcher have made him widely respected in the ETF industry.
With more than a decade of experience managing portfolios, Justin is focused on keeping costs and taxes low for his clients. His skills as an analyst and researcher have made him widely respected in the ETF industry.
DIY Investing
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Asset Location in a Post-Tax World: RRSPs vs. Taxable Accounts

One of the most common questions I receive from investors is whether it’s more tax-friendly to hold equities in their RRSP or taxable accounts first. In this comparison, I’m about to demonstrate that your post-tax asset allocation and asset location both determine your post-tax portfolio value in approximately equal measure – unlike in our TFSA vs. RRSP scenarios.

DIY Investing
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How to Calculate Your Rate of Return at Questrade

Now that you’ve completed all your inputs, the calculator provides you with your accurate return over the timeframe you’ve specified. That’s nice. But how does it compare to the “suitable benchmark” I mentioned at the outset? Please feel free to download the model portfolios from my blog before getting started.

Market Research
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Vanguard’s Hip New Asset Allocation ETFs

While many ETF providers have been frantically fooling around trying to launch the next hot bitcoin or marijuana fund, Vanguard Canada has been playing it oh, so cool. Instead of chasing after the crowd, they’ve recently released a hip new set of game-changers in the form of three asset allocation ETFs.

Market Research
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The Most Boring Battle Ever: Bond ETFs or GICs?

If ever there were a contest held for “Canada’s Most Boring Investment Ever,” I’ll bet that bond ETFs and guaranteed investment certificates (GICs) would duke it out in the final round. We buy them to offset our more glamorous (and more risky) stock funds with some sensible dependability.