Important disclaimer

We wish to be clear about a few things to try to help align visitor and member expectations with what money4retirement.ca does and does not provide.

money4retirement.ca and its staff are not investment advisors, financial planners nor brokers

By using money4retirement.ca the visitor/member agrees they understand that money4retirement.ca is not:

  • in the business of providing professional financial planning or advice
  • in the business of soliciting or brokering the purchase or sale of securities
  • affiliated with any firms or individuals who do provide such services

Information and opinions published on money4retirement.ca, regardless of their origin, are always general in nature and are never to be considered investment advice to a specific individual or firm.

Investing always involves risk

Investments can and do go up and down in value. Past performance is not necessarily indicative of future returns. money4retirement.ca will not accept any liability for any loss or damages arising directly or indirectly due to a visitor/member accessing, reading, posting and/or acting upon the content housed on the money4retirement.ca site.

Conduct your own due diligence before investing

Visitors/members accessing this web site should always conduct their own due diligence and seek any needed professional financial advice before making investment decisions. Please do not rely on the content of this site.

Visitors/members on this site are solely responsible for their own personal circumstances and actions.

money4retirement.ca is not liable for third party nor member-posted content

This is a member-driven website and it is intended to be used for the benefit of members.

money4retirement.ca can not be held responsible for content it publishes from third-party sources nor content placed on this website by members: no liability is accepted for the possible results of this content, and no warranty is provided for it.

Please see our terms of use for more information about member use of the money4retirement.ca website.

A note about data sources and data accuracy

money4retirement.ca relies on publicly available data sources unless otherwise noted. Accuracy of data is the goal, but there is no guarantee provided.

Furthermore, information sources are not necessarily consistent. Information can be fluid and/or transient. Content posted on this site is intended to be accurate at the time of posting. Historical content may become out of date in whole or in part. Content, once posted, is seldom reviewed for currency nor updated.

If errors/omissions are noted please contact staff.

Michael P.’s household investment holdings

For greater transparency, and in the aim of promoting more open discussion about self-directed investing, the founder of money4retirement.ca discloses his household portfolio holdings periodically in postings, and as well in footnotes to posts he publishes on the site. He also discusses his household portfolio’s performance quarterly here.

Note: The household portfolio holdings referenced above are certainly not designed to be appropriate for any other household than money4retirement.ca’s founder and are not intended to be emulated by others. These household portfolio holdings are subject to change at any time, without warning, and are not to be considered investment advice nor a solicitation of securities of any kind under any circumstances.