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 hope you enjoy my content!

My Finance YouTube Channel – Canadian Finance Simplified

An investment vehicle to put all your short-term savings into!

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 - Return from vacation
0:52 The CASH ETF
2:29 CASH ETF is a great option for short-term investing
3:09 Explaining the CASH graph
4:36 Is CASH safe?
5:05 The CBIL ETF
5:41 Why is CBIL safer than CASH
6:42 Why I don't currently have anything in CASH

Links From Today's Video
KYT's Investing for Beginners Cheatsheet
https://kyt.gg/2023/08/21/investing-for-beginners-cheatsheet
CASH - Horizons High Interest Savings ETF
https://horizonsetfs.com/ETF/cash
CBIL - Horizons 0-3 Month T-Bill ETF
https://horizonsetfs.com/ETF/cbil
Global Investment Returns Yearbook 2023
https://www.credit-suisse.com/about-us-news/en/articles/news-and-expertise/global-investment-returns-yearbook-2023-202302.html

_____________________________________________________________________________________

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.

An investment vehicle to put all your short-term savings into!

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 – Return from vacation
0:52 The CASH ETF
2:29 CASH ETF is a great option for short-term investing
3:09 Explaining the CASH graph
4:36 Is CASH safe?
5:05 The CBIL ETF
5:41 Why is CBIL safer than CASH
6:42 Why I don't currently have anything in CASH

Links From Today's Video
KYT's Investing for Beginners Cheatsheet
https://kyt.gg/2023/08/21/investing-for-beginners-cheatsheet
CASH – Horizons High Interest Savings ETF
https://horizonsetfs.com/ETF/cash
CBIL – Horizons 0-3 Month T-Bill ETF
https://horizonsetfs.com/ETF/cbil
Global Investment Returns Yearbook 2023
https://www.credit-suisse.com/about-us-news/en/articles/news-and-expertise/global-investment-returns-yearbook-2023-202302.html

_____________________________________________________________________________________

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.

YouTube Video VVVrb3N2U09kTGExeHlhaFROYWdEMFpBLkxCdldMVXJRVTdr

Adding CASH.TO Or CBIL To Your Investment Arsenal

November 20, 2023 4:55 pm

An overdue portfolio update and why Buffett would agree with my strategy. Keep it simple!

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
0:58 Portfolio update
3:06 Quick asset allocation ETF overview
3:56 Which ETF to go for depending on time horizon
4:44 What's inside XEQT
6:05 Why should we care about global diversification
8:23 Buffett on EXTREME diversification
9:24 Is one ETF is too simple?
10:43 People love trendy ETFs despite higher costs
12:47 How does my family save?

Links From Today's Video
KYT's Investing for Beginners Cheatsheet
https://kyt.gg/2023/08/21/investing-for-beginners-cheatsheet
Warren Buffett ~ Diversification
https://www.youtube.com/watch?v=wbjPiYE-F4Y
Rob Carrick: Canadian Personal Finance in 2023 | Rational Reminder 272
https://www.youtube.com/watch?v=BKWvjemAzow

_____________________________________________________________________________________

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.

An overdue portfolio update and why Buffett would agree with my strategy. Keep it simple!

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
0:58 Portfolio update
3:06 Quick asset allocation ETF overview
3:56 Which ETF to go for depending on time horizon
4:44 What's inside XEQT
6:05 Why should we care about global diversification
8:23 Buffett on EXTREME diversification
9:24 Is one ETF is too simple?
10:43 People love trendy ETFs despite higher costs
12:47 How does my family save?

Links From Today's Video
KYT's Investing for Beginners Cheatsheet
https://kyt.gg/2023/08/21/investing-for-beginners-cheatsheet
Warren Buffett ~ Diversification
https://www.youtube.com/watch?v=wbjPiYE-F4Y
Rob Carrick: Canadian Personal Finance in 2023 | Rational Reminder 272
https://www.youtube.com/watch?v=BKWvjemAzow

_____________________________________________________________________________________

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.

YouTube Video VVVrb3N2U09kTGExeHlhaFROYWdEMFpBLkdVRDFWLU43Zko0

Why I'm 100% XEQT In 2023 | Buffett On EXTREME Diversification

October 3, 2023 7:20 am

Getting more shares of a stock feels good but are we overrating it in some cases? I argue beginners can veer off the road by focusing on stacking shares instead of stacking total returns.

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
0:09 VFV vs. ZSP
1:17 My Beginners Cheatsheet
1:29 Reacting to Blossom posts
3:54 Why having less shares is the same
6:54 So what do YOU recommend? VDY vs. VCN vs. XEQT
8:47 Fears of selling shares in the future
10:49 Main takeaway

Links From Today's Video
KYT's Investing for Beginners Cheatsheet
https://kyt.gg/2023/08/21/investing-for-beginners-cheatsheet
An analysis of dividend- oriented equity strategies
https://static.vgcontent.info/crp/intl/auw/docs/literature/research/dividend-oriented-equity-strategies.pdf?20180212%7C103325

_____________________________________________________________________________________

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 more shares of a stock feels good but are we overrating it in some cases? I argue beginners can veer off the road by focusing on stacking shares instead of stacking total returns.

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
0:09 VFV vs. ZSP
1:17 My Beginners Cheatsheet
1:29 Reacting to Blossom posts
3:54 Why having less shares is the same
6:54 So what do YOU recommend? VDY vs. VCN vs. XEQT
8:47 Fears of selling shares in the future
10:49 Main takeaway

Links From Today's Video
KYT's Investing for Beginners Cheatsheet
https://kyt.gg/2023/08/21/investing-for-beginners-cheatsheet
An analysis of dividend- oriented equity strategies
https://static.vgcontent.info/crp/intl/auw/docs/literature/research/dividend-oriented-equity-strategies.pdf?20180212%7C103325

_____________________________________________________________________________________

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.

YouTube Video VVVrb3N2U09kTGExeHlhaFROYWdEMFpBLi1BQ0xESWhkc1Rn

The Illusion Of More Shares & Total Return Investing

September 14, 2023 3:21 pm

I don't think beginners need to restrict themselves to one kind of stock and I try to make my case. Other metrics are more important!

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
0:07 Made a Beginners Cheatsheet
0:46 A question inspired from Blossom
1:48 Dividend stocks are easier to understand
2:27 The total return perspective
3:54 Growth stocks re-invest in themselves
4:13 Do dividend or growth stocks perform better?
5:30 Allocating based on market composition
7:02 Snowballing is not unique to dividend investing

Links From Today's Video
KYT's Investing for Beginners Cheatsheet
https://kyt.gg/2023/08/21/investing-for-beginners-cheatsheet
An analysis of dividend- oriented equity strategies
https://static.vgcontent.info/crp/intl/auw/docs/literature/research/dividend-oriented-equity-strategies.pdf?20180212%7C103325

_____________________________________________________________________________________

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 don't think beginners need to restrict themselves to one kind of stock and I try to make my case. Other metrics are more important!

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
0:07 Made a Beginners Cheatsheet
0:46 A question inspired from Blossom
1:48 Dividend stocks are easier to understand
2:27 The total return perspective
3:54 Growth stocks re-invest in themselves
4:13 Do dividend or growth stocks perform better?
5:30 Allocating based on market composition
7:02 Snowballing is not unique to dividend investing

Links From Today's Video
KYT's Investing for Beginners Cheatsheet
https://kyt.gg/2023/08/21/investing-for-beginners-cheatsheet
An analysis of dividend- oriented equity strategies
https://static.vgcontent.info/crp/intl/auw/docs/literature/research/dividend-oriented-equity-strategies.pdf?20180212%7C103325

_____________________________________________________________________________________

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.

YouTube Video VVVrb3N2U09kTGExeHlhaFROYWdEMFpBLml2OUxOdkhaNEhB

Dividends Or Growth For Beginners, Why Not Both?

August 29, 2023 3:45 pm

I talk about many things home bias related. What's an acceptable range of home bias for your stock portfolio according to the latest research?

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 

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

Timestamps
0:00 Intro
0:30 Fees & trade-offs
2:18 How biased are the portfolios of Canadians?
3:14 Showing random portfolios from Blossom
3:48 People are going to buy what they know and what they enjoy consuming
4:28 Home bias is a global phenomenon
4:55 Main downside to home bias - security and sector concentration
6:15 How much home bias is OK? How is XEQT / VEQT attributing to Canadian stocks and why?
9:03 What I think the #1 reason is to add some home bias
11:45 What Vanguard thinks is the optimal allocation to Canadian equities
12:55 Currency risk
13:45 Justin Bender's recommendation for foreign equity allocation
14:35 Behaviour benefits
15:30 Be careful when comparing S&P 500 ETFs

Links From Today's Video
Canadian Home Bias: A Case for Global Equity Diversification
https://www.vanguard.ca/en/investor/insights/Canadian_Home_Bias
Home Bias in the Vanguard Asset Allocation ETFs
https://www.canadianportfoliomanagerblog.com/home-bias-in-the-vanguard-asset-allocation-etfs
Global equity investing: The benefits of diversification and sizing your allocation
https://corporate.vanguard.com/content/dam/corp/research/pdf/Global-equity-investing-The-benefits-of-diversification-and-sizing-your-allocation-US-ISGGEB_042021_Online.pdf
Podcast 20: One-Stop ETF Shopping
https://canadiancouchpotato.com/2018/11/10/podcast-20-one-stop-etf-shopping
Episode 31: Steven Leong: Single Decision ETFs: Unpacking XGRO and XBAL from BlackRock
https://rationalreminder.ca/podcast/31
For Investors, a Little Home Country Bias Goes a Long Way
https://rationalreminder.ca/blog/2019/12/5/for-investors-a-little-home-country-bias-goes-a-long-way

_____________________________________________________________________________________

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 talk about many things home bias related. What's an acceptable range of home bias for your stock portfolio according to the latest research?

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

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

Timestamps
0:00 Intro
0:30 Fees & trade-offs
2:18 How biased are the portfolios of Canadians?
3:14 Showing random portfolios from Blossom
3:48 People are going to buy what they know and what they enjoy consuming
4:28 Home bias is a global phenomenon
4:55 Main downside to home bias – security and sector concentration
6:15 How much home bias is OK? How is XEQT / VEQT attributing to Canadian stocks and why?
9:03 What I think the #1 reason is to add some home bias
11:45 What Vanguard thinks is the optimal allocation to Canadian equities
12:55 Currency risk
13:45 Justin Bender's recommendation for foreign equity allocation
14:35 Behaviour benefits
15:30 Be careful when comparing S&P 500 ETFs

Links From Today's Video
Canadian Home Bias: A Case for Global Equity Diversification
https://www.vanguard.ca/en/investor/insights/Canadian_Home_Bias
Home Bias in the Vanguard Asset Allocation ETFs
https://www.canadianportfoliomanagerblog.com/home-bias-in-the-vanguard-asset-allocation-etfs
Global equity investing: The benefits of diversification and sizing your allocation
https://corporate.vanguard.com/content/dam/corp/research/pdf/Global-equity-investing-The-benefits-of-diversification-and-sizing-your-allocation-US-ISGGEB_042021_Online.pdf
Podcast 20: One-Stop ETF Shopping
https://canadiancouchpotato.com/2018/11/10/podcast-20-one-stop-etf-shopping
Episode 31: Steven Leong: Single Decision ETFs: Unpacking XGRO and XBAL from BlackRock
https://rationalreminder.ca/podcast/31
For Investors, a Little Home Country Bias Goes a Long Way
https://rationalreminder.ca/blog/2019/12/5/for-investors-a-little-home-country-bias-goes-a-long-way

_____________________________________________________________________________________

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.

YouTube Video VVVrb3N2U09kTGExeHlhaFROYWdEMFpBLnh0Q0haeFNxLVp3

How Much Home Bias Should You Have? | 100% XEQT/VEQT

August 23, 2023 5:02 am

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