Hey there! Welcome to my website!

My name is Kar Yung Tom (KYT) and I am a strategy game enthusiast. Here are some quick highlights to get a rapid feel for my gaming background:

  • Chess: I was ranked top 10 in Quebec until I quit competitive play at the age of 17.
  • Magic: The Gathering: I qualified for and competed in 2 Pro Tours.
  • Poker: I played online cash games (100NL 6-Max) semi-professionally.
  • Daily Fantasy Sports: I won major contests in NBA and NFL on FanDuel with my own computer models. My total earnings are over the 6-figure mark.

I graduated in Software Engineering at McGill University, so whenever code can be used to optimize a process, you can bet that I’m ready for it!

I started a YouTube channel called Canadian Finance Simplified because I wanted to chronicle how someone with my experience and passion for analytics would attack investing.

In September of 2022, I returned to competitive chess after 20 years of inactivity. My goal is to uncover the best strategies for an adult improver with a busy life to rank up.

I hope you enjoy my content!

My Chess Journey

Starting Over Again

I’m a brand new dad now, so why the heck am I getting back to chess? Well, I actually want to see how far an adult improver with a fully-packed schedule can go. The motivation is to see what techniques and approaches to study would bring the most value given a limited amount of time. … Read more

My Finance YouTube Channel – Canadian Finance Simplified

Going DEEP on my thought process behind how I approach investing in my daughter's RESP and why human capital is the main consideration behind how aggressive one should be. SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY! https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W SIGN UP TO QUESTRADE AND GET A CASH BONUS WORTH UP TO $250! https://questrade.com/?refid=615710143447880 Ben Felix Twitter Thread https://twitter.com/benjaminwfelix/status/1637858781114802176 _____________________________________________________________________________________ Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

Going DEEP on my thought process behind how I approach investing in my daughter's RESP and why human capital is the main consideration behind how aggressive one should be.

SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY!
https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W

SIGN UP TO QUESTRADE AND GET A CASH BONUS WORTH UP TO $250!
https://questrade.com/?refid=615710143447880

Ben Felix Twitter Thread
https://twitter.com/benjaminwfelix/status/1637858781114802176

_____________________________________________________________________________________

Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

21 5

YouTube Video VVVrb3N2U09kTGExeHlhaFROYWdEMFpBLlZfQlhuMFB3Z3VN

DCA vs. Lump Sum XEQT For My RESP

May 24, 2023 3:40 am

Sorry for my absence, it's hard staying healthy while being a new dad. I give a much needed portfolio update and answer some viewer questions! SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY! https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W SIGN UP TO QUESTRADE AND GET A CASH BONUS WORTH UP TO $250! https://questrade.com/?refid=615710143447880 _____________________________________________________________________________________ Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

Sorry for my absence, it's hard staying healthy while being a new dad. I give a much needed portfolio update and answer some viewer questions!

SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY!
https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W

SIGN UP TO QUESTRADE AND GET A CASH BONUS WORTH UP TO $250!
https://questrade.com/?refid=615710143447880

_____________________________________________________________________________________

Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

43 36

YouTube Video VVVrb3N2U09kTGExeHlhaFROYWdEMFpBLlZvaUd6WWhXQ3F3

100% XEQT Update – Just opened an FHSA!

April 18, 2023 10:44 pm

Getting a lot of subscribers in the past few weeks. Looks like people want to start the year off right. Time to update everyone on my 100% XEQT portfolio! SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY! https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W SIGN UP TO QUESTRADE AND GET A CASH BONUS WORTH UP TO $250! https://questrade.com/?refid=615710143447880 _____________________________________________________________________________________ Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

Getting a lot of subscribers in the past few weeks. Looks like people want to start the year off right. Time to update everyone on my 100% XEQT portfolio!

SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY!
https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W

SIGN UP TO QUESTRADE AND GET A CASH BONUS WORTH UP TO $250!
https://questrade.com/?refid=615710143447880

_____________________________________________________________________________________

Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

53 29

YouTube Video VVVrb3N2U09kTGExeHlhaFROYWdEMFpBLnpBVnN0RFRVSUhv

Win a Max TFSA / RRSP contribution on Wealthsimple?! | XEQT Update

January 26, 2023 5:24 pm

I'm back from Europe and just want to announce that I've actually been able to maximize my TFSA and RRSP! SIGN UP TO QUESTRADE AND GET A CASH BONUS WORTH UP TO $250! https://questrade.com/?refid=615710143447880 SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY! https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W _____________________________________________________________________________________ Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

I'm back from Europe and just want to announce that I've actually been able to maximize my TFSA and RRSP!

SIGN UP TO QUESTRADE AND GET A CASH BONUS WORTH UP TO $250!
https://questrade.com/?refid=615710143447880

SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY!
https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W

_____________________________________________________________________________________

Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

60 95

YouTube Video VVVrb3N2U09kTGExeHlhaFROYWdEMFpBLjIwbTZUQ01lYkpv

TFSA/RRSP Maximized with XEQT | Only ETF You Need

November 11, 2022 5:36 pm

Time to explain why I own 9,628 stocks with my XEQT ETF. I whip out academic papers for the first time. Do Stocks Outperform Treasury Bills? (2017) https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2900447 Wealth Creation in the U.S. Public Stock Markets 1926 to 2019 (2020) https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3537838 SIGN UP TO QUESTRADE AND GET A CASH BONUS WORTH UP TO $250! https://questrade.com/?refid=615710143447880 SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY! https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W THIS IS WHERE I GET MY CRYPTO - USE MY LINK TO GET $25 FREE https://web.newton.co/r/5RDLM7 _____________________________________________________________________________________ Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

Time to explain why I own 9,628 stocks with my XEQT ETF. I whip out academic papers for the first time.

Do Stocks Outperform Treasury Bills? (2017)
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2900447

Wealth Creation in the U.S. Public Stock Markets 1926 to 2019 (2020)
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3537838

SIGN UP TO QUESTRADE AND GET A CASH BONUS WORTH UP TO $250!
https://questrade.com/?refid=61571014…

SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY!
https://my.wealthsimple.com/app/publi…

THIS IS WHERE I GET MY CRYPTO – USE MY LINK TO GET $25 FREE
https://web.newton.co/r/5RDLM7

_____________________________________________________________________________________

Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

51 23

YouTube Video VVVrb3N2U09kTGExeHlhaFROYWdEMFpBLi1EUjVUOFF5cXZz

How Many Stocks Should You Buy? | Why 100% XEQT?

August 31, 2022 7:04 am

Selling shares is getting too much of a bad rep. I plan to rectify that. SIGN UP TO QUESTRADE AND GET A CASH BONUS WORTH UP TO $250! https://questrade.com/?refid=615710143447880 SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY! https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W THIS IS WHERE I GET MY CRYPTO - USE MY LINK TO GET $25 FREE https://web.newton.co/r/5RDLM7 _______________________________________________________________________________________ Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

Selling shares is getting too much of a bad rep. I plan to rectify that.

SIGN UP TO QUESTRADE AND GET A CASH BONUS WORTH UP TO $250!
https://questrade.com/?refid=615710143447880

SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY!
https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W

THIS IS WHERE I GET MY CRYPTO – USE MY LINK TO GET $25 FREE
https://web.newton.co/r/5RDLM7

_______________________________________________________________________________________

Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

95 71

YouTube Video VVVrb3N2U09kTGExeHlhaFROYWdEMFpBLmlvWm5XdWJyX0hj

XEQT vs Passive Incoming Investing | August 2022 Wealthsimple Update

August 15, 2022 6:35 am

I run through how I started my RESP and how I buy XEQT shares inside of it. I also got $550 in grants from the government! SIGN UP TO QUESTRADE AND GET A CASH BONUS WORTH UP TO $250! https://questrade.com/?refid=615710143447880 SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY! https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W THIS IS WHERE I GET MY CRYPTO - USE MY LINK TO GET $25 FREE https://web.newton.co/r/5RDLM7 _______________________________________________________________________________________ Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

I run through how I started my RESP and how I buy XEQT shares inside of it. I also got $550 in grants from the government!

SIGN UP TO QUESTRADE AND GET A CASH BONUS WORTH UP TO $250!
https://questrade.com/?refid=615710143447880

SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY!
https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W

THIS IS WHERE I GET MY CRYPTO – USE MY LINK TO GET $25 FREE
https://web.newton.co/r/5RDLM7

_______________________________________________________________________________________

Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

40 25

YouTube Video VVVrb3N2U09kTGExeHlhaFROYWdEMFpBLlRUSks1alNVQThF

Got $550 in my RESP on Questrade! | 100% XEQT

August 9, 2022 9:00 am

I'm back! Here to give a life and portfolio update as well as talk about XEQT because that's what most of you want. If you haven't started investing, now is a great time to do so by first using my link below to sign up with Wealthsimple! SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY! https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W THIS IS WHERE I GET MY CRYPTO - USE MY LINK TO GET $25 FREE https://web.newton.co/r/5RDLM7 _______________________________________________________________________________________ Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

I'm back! Here to give a life and portfolio update as well as talk about XEQT because that's what most of you want. If you haven't started investing, now is a great time to do so by first using my link below to sign up with Wealthsimple!

SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY!
https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W

THIS IS WHERE I GET MY CRYPTO – USE MY LINK TO GET $25 FREE
https://web.newton.co/r/5RDLM7

_______________________________________________________________________________________

Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

81 13

YouTube Video VVVrb3N2U09kTGExeHlhaFROYWdEMFpBLkRpUE1IVXlxT3Zn

Picking Stocks vs. 100% XEQT | June 2022 Wealthsimple Update

June 14, 2022 9:17 pm

After getting messages from a few friends, I realized I didn't have any content that started from ground 0, so I cover a few investing terms in this one. This is some investing for beginners content. SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY! https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W THIS IS WHERE I GET MY CRYPTO - USE MY LINK TO GET $25 FREE https://web.newton.co/r/5RDLM7 _______________________________________________________________________________________ Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

After getting messages from a few friends, I realized I didn't have any content that started from ground 0, so I cover a few investing terms in this one. This is some investing for beginners content.

SIGN UP TO WEALTHSIMPLE INVEST, GET A FREE STOCK AND START YOUR DIY INVESTING JOURNEY!
https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W

THIS IS WHERE I GET MY CRYPTO – USE MY LINK TO GET $25 FREE
https://web.newton.co/r/5RDLM7

_______________________________________________________________________________________

Disclaimer: I am not a financial advisor. The content of this video is for educational purposes only. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.

20 9

YouTube Video VVVrb3N2U09kTGExeHlhaFROYWdEMFpBLlVwOTZvQ081NENZ

Investing 101 | Terminology | Market Cap, Bid/Ask

April 21, 2022 5:33 pm

Load More… Subscribe