Investing guides for Canadians. Sports modeling for the curious.
I’m Kar Yung Tom. The core of this site is free, research-backed investing guides and calculators for Canadians.
I also write about sports modeling, especially baseball award voting. It’s a separate interest, but it lets me explore the same questions about evidence, uncertainty, and human judgment.
Start with investingNew to investing?
The Investing for Beginners Cheatsheet takes you from opening your first account to buying your first ETF, with the research behind every step.
Ready to go deeper?
Guides for the questions that come next, like whether CAGE’s factor tilts are worth it over plain XEQT, and what share counts actually tell you.
Planning retirement?
Four calculators I built to stress-test withdrawal strategies before you have to live off them.
Hi, I’m Kar Yung Tom (KYT)
Software engineer, strategy game player, and Canadian DIY investor. I show my hand here: I hold what I write about, and I’ll tell you when the boring answer is the better one.
Investing articles
Research-backed ideas on ETFs, portfolios, and planning for Canadians.
Sports modeling articles
Data-driven analysis of sports awards, projections, and the decisions behind them.
When I publish something new, an article, a guide update, or a video worth your time, I’ll send one short email. No spam, no schedule, unsubscribe anytime.
