Exploring Passive Income Investing (PII) Together
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The Truth About Monthly Cash Flow: Does Your Asset Have an Upward Engine?
In the Canadian investment community, many friends—myself included—are staunch supporters of **Passive Income Investing**. For us, the day-to-day fluctuations in portfolio value are often less significant than the tangible comfort and life support provided by consistent monthly distributions. In recent years, the market has introduced a wave of products combining **Covered Call (CC)** strategies with **moderate leverage**. These have provided an excellent cash flow solution for retirees and those seeking passive income. However, like any sophisticated financial instrument, this high-distribution model comes with its own set of trade-offs. Today, from the perspective of a fellow investor, I’d like to have a candid discussion about the key points we should keep in mind.
The Reality of Living Off Distributions
With the recent market recovery, I’m curious—have your accounts been hitting new highs? Mine recently reached an all-time high, but looking at my current portfolio allocation, I’ve undergone a massive shift since the start of this year. I have gradually transitioned into a **"Yield-focused"** account. This change is driven by my current life circumstances; I am now relying on distributions to cover my daily living expenses. Because of this, my portfolio is packed with funds that offer high payouts, even if their overall performance isn't necessarily the "best" in the market. I often wonder: if I had a larger principal to start with, would my allocation look different? Today, I want to talk about the funds that—in hindsight—really humbled me.
20% Annual Yield & Bi-Monthly Payouts? A Deep Dive into Brompton’s New "Cash Machine": PAYG ETF
Recently, a friend reached out and told me that **Brompton** has launched a brand-new ETF called **PAYG**. When I first saw its distribution structure, I was incredibly curious—and a bit skeptical. This fund actually pays out **twice every single month**, with each distribution sitting at **$0.20 CAD per share**. If you calculate that based on the initial offering price of $25, the annualized dividend yield comes out to a staggering **20%**. In our current economic environment, a payout level like that is a total head-turner. After doing my own research, I’ve made a move: **I am officially replacing my holding of Evolve’s INTY with this new PAYG.** Today, let’s take a systematic look at what exactly makes this fund so special.
Leverage Efficiency & Strategic Scaling: My Wealthsimple Margin Buying Plan
Hey everyone! Today, I’m sharing a major update on my portfolio strategy. My **Wealthsimple Margin Joint Account** has finally been approved, which means it's time to talk about how I'm using leverage—not to gamble, but to strategically scale my income while keeping risk strictly under control.
ENCL vs. OILY: The Ultimate Canadian Energy Covered Call ETF Showdown
The energy sector is heating up, and with geopolitical tensions rising in the Strait of Hormuz, oil price volatility is back at the forefront of every investor’s mind. If you are looking to capture high yields while maintaining exposure to the Canadian energy patch, you’ve likely come across two heavyweights: ENCL.TO and OILY.TO.
Canada’s Major Covered Call ETF Issuers (2026 Edition)
If you’ve been in the Canadian income-investing world long enough, you start to realize that every fund house has its own “hidden agenda.” On the surface, everyone is flaunting double-digit yields, but under the hood, the strategies, fee structures, and genuine “skin in the game” vary wildly. Today, let’s cut through the marketing fluff and look at the true colors of the 8 major players.
How I Save 5%+ at Walmart - My “Secret Weapon” for Grocery Shopping in Canada
If you live in Canada, you know the struggle: inflation is hitting the grocery aisle hard. As someone who loves optimizing systems—whether it’s code or my family budget—I’m always looking for a "logic hack" to lower my monthly burn.
BMO’s New Target Cash Flow ETFs (.T Units): Sustainable Income or Yield Trap?
A standard Covered Call ETF generates distributions by selling options and collecting premiums. BMO’s Target Cash Flow series, however, relies on **Return of Capital (ROC)** to meet a specific payout goal.
How I Stashed $300+ Using Rakuten and GCR in Canada
While I spend a lot of time on this blog analyzing high-dividend ETFs and covered call strategies to build a "money machine," I’m also a big believer in optimizing the **outflow**. If you’re living in Canada and shopping online without using a rebate portal, you’re essentially leaving free money on the table. Today, I’m breaking down the two "staples" of my personal finance toolkit: **Rakuten.ca** and **Great Canadian Rebates (GCR)**.
Evolve's EASY ETF
Today, we are diving deep into Evolve’s recently launched all-in-one ETF: **EASY**. The Ultra Yield series has been live for about six months now, and during that time, both the underlying holdings and the macro environment have shifted significantly. In this post, I want to re-examine this product. We aren't just looking at whether the allocation makes sense on paper; we are going into the data to see how its sub-ETFs are performing in the real world.