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.

I’m always excited to learn new strategies and share my insights with fellow enthusiasts.

My Finance YouTube Channel – Canadian Finance Simplified

Rent vs. Buy in 2024 | Road to Buying Our First Home #2

February 27, 2024 6:21 pm

Leveraged Investing With XEQT, HEQL and EQCL

December 28, 2023 5:01 am

My most frequency asked question - Why not invest solely in VFV that seems to do better than XEQT?

Earn $50 for creating a Questrade account
https://questrade.com/?refid=615710143447880

Earn $5 to $3,000 for creating a Wealthsimple account
https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W

See my portfolio and trades on Blossom, the investor's social network. 📊 Use my code: OLGKTM to earn $5 cash!
https://getblossom.page.link/referral 

Timestamps:
0:00 Intro
0:41 Any mix is XEQT & VFV/XUS is more than reasonable
1:57 You can't really compare the performance
2:26 A study over a longer timeframe
4:06 Why capped upside is less important than expected return
5:56 Is VFV diverse enough because it contains global companies?
7:07 Ben Felix makes the case that it isn't
8:44 Fairly efficient markets mean past performance cannot be reliable
9:49 Why results can't prove someone right or wrong

Links From Today's Video
Using the NEW (better) 3 ETF Portfolio to get VERY RICH
https://www.youtube.com/watch?v=2K9BbRVOioE
International Diversification
https://www.youtube.com/watch?v=1FXuMs6YRCY

_____________________________________________________________________________________

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.

My most frequency asked question – Why not invest solely in VFV that seems to do better than XEQT?

Earn $50 for creating a Questrade account
https://questrade.com/?refid=615710143447880

Earn $5 to $3,000 for creating a Wealthsimple account
https://my.wealthsimple.com/app/public/trade-referral-signup?code=ZJE11W

See my portfolio and trades on Blossom, the investor's social network. 📊 Use my code: OLGKTM to earn $5 cash!
https://getblossom.page.link/referral

Timestamps:
0:00 Intro
0:41 Any mix is XEQT & VFV/XUS is more than reasonable
1:57 You can't really compare the performance
2:26 A study over a longer timeframe
4:06 Why capped upside is less important than expected return
5:56 Is VFV diverse enough because it contains global companies?
7:07 Ben Felix makes the case that it isn't
8:44 Fairly efficient markets mean past performance cannot be reliable
9:49 Why results can't prove someone right or wrong

Links From Today's Video
Using the NEW (better) 3 ETF Portfolio to get VERY RICH
https://www.youtube.com/watch?v=2K9BbRVOioE
International Diversification
https://www.youtube.com/watch?v=1FXuMs6YRCY

_____________________________________________________________________________________

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.

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YouTube Video VVVrb3N2U09kTGExeHlhaFROYWdEMFpBLnZVem1NbEdFWlVB

Why I Don't Have VFV | XEQT vs. VFV

December 21, 2023 10:08 pm

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