Julien Brault

Contrary to popular belief, Canadian robo-advisors have little in common with Terminator cyborg killers. In fact, these investment services employ real-life portfolio managers who handle their clients’ money. So there are actually no robots buying or selling on the stock markets. An age-old model Portfolio managers working for robo-advisors build several portfolios to accommodate different […]

Since the Toronto Transit Commission (TTC) introduced card taps at the gates on August 15, 2023, commuting in Toronto has evolved. But not all cards are created equal, especially when it comes to maximizing benefits for frequent riders. Let’s dive into why a credit card might be a superior choice for your TTC travels, and […]

The lack of knowledge of cryptocurrencies and their functioning is a significant impediment to their public adoption. There are thousands of cryptocurrency platforms worldwide, and more keep coming up with each passing day. Of course, one cannot always know if all the given platforms are legitimate or not; hence, we bring you the list of […]

I love Canadian robo-advisors. I’m not going to delve into why their strategy, which is to invest in stock market indexes, is attractive to investors. The beauty of a robo-advisor’s investing strategy is that it’s simple…so simple that anyone can create their own robo-advisor in just a few easy steps. Here’s how to do it. Determine […]

Today, Hardbacon is launching a television advertising campaign. The campaign comes in the form of four advertisements emphasizing the importance of shopping around for financial products. Of course, as a technology company, you don’t launch solely a TV campaign. So it will also be featured on Facebook, YouTube and Reddit, where a growing proportion of […]

Most people start to think about retirement with they hit the big 50. But for Justin McCurry, a former engineer from Raleigh, North Carolina, retiring at 33 means freedom. Every day for him is like a Sunday – no chores and a lot of free time to do whatever he wants. Justin quit his full-time […]

The RRSP deadline is fast approaching. In fact, there is no RRSP “season”, you can contribute to your RRSPs throughout the year, and the deadline for contributions to help you reduce your prior year’s tax bill is at midnight on March 1st. But before you run off to put some money into your RRSPs, let […]

Since we launched our app in the App Store, a curious phenomenon has emerged. Several users wrote to me asking why they couldn’t add more than one online brokerage per institution. It wasn’t  offered in the app, because if someone added two separate accounts from same institution, it was probably by mistake. So I asked […]

In politics, as in investment, the boundaries between the different schools of thought are porous. In fact, much more porous than you might think. For example, while Warren Buffett might be in people’s mind the ultimate value investor, his investment philosophy has many things in common with growth investing. Unlike his mentor Benjamin Graham (the father […]