Evidence-based investing for Canadians, simplified
Free guides and calculators built on academic research. No jargon, no hype, and nothing to sell you. Just what the evidence says works.
Start HereNew 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.
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.
