Michael James
@mjonmoney.bsky.social
Investor seeking good financial choices. Former math/engineering guy in high tech. Blogger at michaeljamesonmoney.com (no ads!)
New: Beware the practical expedient rule in secondary private equity funds
www.michaeljamesonmoney.com/2026/02/bewa...
www.michaeljamesonmoney.com/2026/02/bewa...
Beware the Practical Expedient Rule in Secondary Private Equity Funds
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
February 2, 2026 at 3:59 PM
New: Beware the practical expedient rule in secondary private equity funds
www.michaeljamesonmoney.com/2026/02/bewa...
www.michaeljamesonmoney.com/2026/02/bewa...
A risk-free way to create 7 mutual funds that beat their benchmarks for a decade despite sky-high MERs.
www.michaeljamesonmoney.com/2010/12/how-...
www.michaeljamesonmoney.com/2010/12/how-...
How to Replicate the Performance of Dynamic Funds
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
January 30, 2026 at 6:45 PM
A risk-free way to create 7 mutual funds that beat their benchmarks for a decade despite sky-high MERs.
www.michaeljamesonmoney.com/2010/12/how-...
www.michaeljamesonmoney.com/2010/12/how-...
"Pay yourself first" is more complicated than it seems at first.
www.michaeljamesonmoney.com/2010/12/does...
www.michaeljamesonmoney.com/2010/12/does...
Does Paying Yourself First and Blowing the Rest Work?
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
January 26, 2026 at 10:35 PM
"Pay yourself first" is more complicated than it seems at first.
www.michaeljamesonmoney.com/2010/12/does...
www.michaeljamesonmoney.com/2010/12/does...
I've been told to take it easy on financial advisors because most of them have their heart in the right place. My thoughts:
www.michaeljamesonmoney.com/2010/12/taki...
www.michaeljamesonmoney.com/2010/12/taki...
Taking it Easy on Financial Advisors
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
January 19, 2026 at 2:26 PM
I've been told to take it easy on financial advisors because most of them have their heart in the right place. My thoughts:
www.michaeljamesonmoney.com/2010/12/taki...
www.michaeljamesonmoney.com/2010/12/taki...
The right mindset for trading equities - whether you trade equities daily or annually, here the way to think of the person taking the opposite side of your trades:
www.michaeljamesonmoney.com/2010/11/righ...
www.michaeljamesonmoney.com/2010/11/righ...
The Right Mindset for Trading Equities
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
January 15, 2026 at 1:46 PM
The right mindset for trading equities - whether you trade equities daily or annually, here the way to think of the person taking the opposite side of your trades:
www.michaeljamesonmoney.com/2010/11/righ...
www.michaeljamesonmoney.com/2010/11/righ...
Reposted by Michael James
New: My investment return for 2025
www.michaeljamesonmoney.com/2026/01/my-investment-return-for-2025.html
www.michaeljamesonmoney.com/2026/01/my-investment-return-for-2025.html
My Investment Return for 2025
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
January 13, 2026 at 8:10 PM
New: My investment return for 2025
www.michaeljamesonmoney.com/2026/01/my-investment-return-for-2025.html
www.michaeljamesonmoney.com/2026/01/my-investment-return-for-2025.html
New: My investment return for 2025
www.michaeljamesonmoney.com/2026/01/my-investment-return-for-2025.html
www.michaeljamesonmoney.com/2026/01/my-investment-return-for-2025.html
My Investment Return for 2025
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
January 13, 2026 at 8:10 PM
New: My investment return for 2025
www.michaeljamesonmoney.com/2026/01/my-investment-return-for-2025.html
www.michaeljamesonmoney.com/2026/01/my-investment-return-for-2025.html
Reposted by Michael James
New: Retirement income planning
www.michaeljamesonmoney.com/2026/01/reti...
www.michaeljamesonmoney.com/2026/01/reti...
Retirement Income Planning
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
January 8, 2026 at 1:21 PM
New: Retirement income planning
www.michaeljamesonmoney.com/2026/01/reti...
www.michaeljamesonmoney.com/2026/01/reti...
New: Retirement income planning
www.michaeljamesonmoney.com/2026/01/reti...
www.michaeljamesonmoney.com/2026/01/reti...
Retirement Income Planning
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
January 8, 2026 at 1:21 PM
New: Retirement income planning
www.michaeljamesonmoney.com/2026/01/reti...
www.michaeljamesonmoney.com/2026/01/reti...
AI is great! It can produce wildly wrong answers in one-tenth the time it takes me to fix it.
January 7, 2026 at 1:28 PM
AI is great! It can produce wildly wrong answers in one-tenth the time it takes me to fix it.
Modest investment returns are better than they appear when compared to the past.
www.michaeljamesonmoney.com/2010/10/mode...
www.michaeljamesonmoney.com/2010/10/mode...
Modest Investment Returns are Better than They Appear
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 30, 2025 at 2:28 PM
Modest investment returns are better than they appear when compared to the past.
www.michaeljamesonmoney.com/2010/10/mode...
www.michaeljamesonmoney.com/2010/10/mode...
5 years ago I said that fund fee "disclosures must be expressed in dollars." We've begun doing this with fuller disclosures coming in early 2027. Hopefully, they'll help more investors understand what they pay.
www.michaeljamesonmoney.com/2010/10/futi...
www.michaeljamesonmoney.com/2010/10/futi...
The Futility of Mutual Fund Disclosures
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 24, 2025 at 3:53 PM
5 years ago I said that fund fee "disclosures must be expressed in dollars." We've begun doing this with fuller disclosures coming in early 2027. Hopefully, they'll help more investors understand what they pay.
www.michaeljamesonmoney.com/2010/10/futi...
www.michaeljamesonmoney.com/2010/10/futi...
Reposted by Michael James
Contradictory Retirement Plans #PFcan #retirement #FinSky #CanadaSky #investing https://findependencehub.com/contradictory-retirement-plans/
December 24, 2025 at 2:15 PM
Contradictory Retirement Plans #PFcan #retirement #FinSky #CanadaSky #investing https://findependencehub.com/contradictory-retirement-plans/
Defending the all stock portfolio - It's interesting that I got a lot of pushback for being 100% in stocks fifteen years ago, but now that stocks have been soaring for years, the idea gets a lot of support.
www.michaeljamesonmoney.com/2010/09/defe...
www.michaeljamesonmoney.com/2010/09/defe...
Defending the All-Stock Portfolio
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 20, 2025 at 9:51 PM
Defending the all stock portfolio - It's interesting that I got a lot of pushback for being 100% in stocks fifteen years ago, but now that stocks have been soaring for years, the idea gets a lot of support.
www.michaeljamesonmoney.com/2010/09/defe...
www.michaeljamesonmoney.com/2010/09/defe...
CRM3 question:
Over the years I've encouraged many clients of the wealth arms of big Canadian banks to ask what they pay in fees. Not one got a straight answer or even an approximate total. Will these wealth arms find a way to avoid the intent of CRM3?
Over the years I've encouraged many clients of the wealth arms of big Canadian banks to ask what they pay in fees. Not one got a straight answer or even an approximate total. Will these wealth arms find a way to avoid the intent of CRM3?
December 19, 2025 at 1:56 PM
CRM3 question:
Over the years I've encouraged many clients of the wealth arms of big Canadian banks to ask what they pay in fees. Not one got a straight answer or even an approximate total. Will these wealth arms find a way to avoid the intent of CRM3?
Over the years I've encouraged many clients of the wealth arms of big Canadian banks to ask what they pay in fees. Not one got a straight answer or even an approximate total. Will these wealth arms find a way to avoid the intent of CRM3?
Reposted by Michael James
New: Alternative investments
www.michaeljamesonmoney.com/2025/12/alte...
www.michaeljamesonmoney.com/2025/12/alte...
Alternative Investments
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 11, 2025 at 8:37 PM
New: Alternative investments
www.michaeljamesonmoney.com/2025/12/alte...
www.michaeljamesonmoney.com/2025/12/alte...
My spreadsheet emailed me this morning saying it's time to rebalance my portfolio again. I guess stocks went up more than I noticed lately. I'm glad computers are paying attention so I don't have to.
December 12, 2025 at 4:06 PM
My spreadsheet emailed me this morning saying it's time to rebalance my portfolio again. I guess stocks went up more than I noticed lately. I'm glad computers are paying attention so I don't have to.
New: Alternative investments
www.michaeljamesonmoney.com/2025/12/alte...
www.michaeljamesonmoney.com/2025/12/alte...
Alternative Investments
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 11, 2025 at 8:37 PM
New: Alternative investments
www.michaeljamesonmoney.com/2025/12/alte...
www.michaeljamesonmoney.com/2025/12/alte...
Reposted by Michael James
New: How should you plan for your spending to change throughout retirement?
www.michaeljamesonmoney.com/2025/12/how-...
www.michaeljamesonmoney.com/2025/12/how-...
How Should You Plan for Your Spending to Change Throughout Retirement?
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 8, 2025 at 2:06 PM
New: How should you plan for your spending to change throughout retirement?
www.michaeljamesonmoney.com/2025/12/how-...
www.michaeljamesonmoney.com/2025/12/how-...
New: How should you plan for your spending to change throughout retirement?
www.michaeljamesonmoney.com/2025/12/how-...
www.michaeljamesonmoney.com/2025/12/how-...
How Should You Plan for Your Spending to Change Throughout Retirement?
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 8, 2025 at 2:06 PM
New: How should you plan for your spending to change throughout retirement?
www.michaeljamesonmoney.com/2025/12/how-...
www.michaeljamesonmoney.com/2025/12/how-...
Spoke to a guy from California who claims to have moved 3/4 into crypto after the last US election. Didn't trust the admin to run the economy properly. What if crypto goes down even more? He 'knows' that can't happen. Once again I failed to talk someone away from crazy risk.
December 6, 2025 at 8:52 PM
Spoke to a guy from California who claims to have moved 3/4 into crypto after the last US election. Didn't trust the admin to run the economy properly. What if crypto goes down even more? He 'knows' that can't happen. Once again I failed to talk someone away from crazy risk.
BMO Investorline's AI recommends leverage for me. This is clearly a bad idea for someone who is retired. It also seems strange to get this kind of advice from a platform that is supposed to be "order execution only."
December 6, 2025 at 2:46 PM
BMO Investorline's AI recommends leverage for me. This is clearly a bad idea for someone who is retired. It also seems strange to get this kind of advice from a platform that is supposed to be "order execution only."
I watched hoarding up close for many years. It's a powerful psychological force. If you have a storage unit, consider the possibility that you're just hoarding.
www.michaeljamesonmoney.com/2010/09/self...
www.michaeljamesonmoney.com/2010/09/self...
Self-Storage: Exploiting People’s Weaknesses
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 3, 2025 at 9:45 PM
I watched hoarding up close for many years. It's a powerful psychological force. If you have a storage unit, consider the possibility that you're just hoarding.
www.michaeljamesonmoney.com/2010/09/self...
www.michaeljamesonmoney.com/2010/09/self...
Reposted by Michael James
New: Helping Do-It-Yourself investing beginners
www.michaeljamesonmoney.com/2025/12/help...
www.michaeljamesonmoney.com/2025/12/help...
Helping Do-It-Yourself Investing Beginners
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 2, 2025 at 2:18 PM
New: Helping Do-It-Yourself investing beginners
www.michaeljamesonmoney.com/2025/12/help...
www.michaeljamesonmoney.com/2025/12/help...
New: Helping Do-It-Yourself investing beginners
www.michaeljamesonmoney.com/2025/12/help...
www.michaeljamesonmoney.com/2025/12/help...
Helping Do-It-Yourself Investing Beginners
A blog about money, personal finance, and investing.
www.michaeljamesonmoney.com
December 2, 2025 at 2:18 PM
New: Helping Do-It-Yourself investing beginners
www.michaeljamesonmoney.com/2025/12/help...
www.michaeljamesonmoney.com/2025/12/help...