Looking For Expat Canadian Wanting Stable Returns

I’m looking for a Canadian expat who likes the idea of a portfolio that has gained nearly 10% per year over the past 40 years, with its worst performing year (1981) dropping just 4.9%.  

If I can write a paragraph about you before introducing this portfolio in my Global Expat’s Guide To Investing book, that would be great.  It would read something like this:  

Lisa Golding, originally from Halifax, has worked as an Air Asia pilot for the past 10 years.  “I don’t feel comfortable seeing my hard earned money gyrating wildly with the stock market,” she says.  Fortunately, there’s an alternative for the 48 year old mother of three, who also wants to see her money grow….

At this point, I would introduce the portfolio itself.  If interested in the strategy, you can read about it in an article I wrote for the Globe and Mail here.

All I need is about half a paragraph about you, similar to the sample above.  

Please let me know if you can be my real life introduction to the portfolio in the book.

Thanks!  Andrew

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Andrew Hallam

I’m a financial columnist for Canada’s national paper, The Globe and Mail, as well as for AssetBuilder, a financial service firm based in Texas. I’m also the author of Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School (2nd Ed. Wiley 2017) and The Global Expatriate’s Guide To Investing: From Millionaire Teacher to Millionaire Expat (Wiley 2015). My mission is to educate, motivate and inspire people on basic retirement planning and best practices for investing, using evidence-based strategies. I'm happy to comment on your questions. However, please read the Terms of Use, Privacy Policy and the Comments Policy.

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7 Responses

  1. no one has more first hand experience helping expat investors

  2. Dianne says:

    Hi Andrew,

    I’ve made no purchases yet so I might be willing to try your recommended portfolio. Alas, I cannot access the article – I seem to have had my 10 free articles and don’t really want to subscribe. Can you make the article available on your site, or send a copy?


    • Dave says:

      Hi Dianne, To access the article, try clearing your cookie cache from your browser, close your browser, reopen it and then try again. Many sites use cookies, and you can often read those extra articles if you clear your cache. (OR try using another browser you haven’t used to access the site.)

    • Dave says:

      There is another way to access unlimited articles where they restrict the number of articles you can read. To get around the limitations go to the feature “Private” browsing.

      Try this:

      In Internet Explorer go to the drop down menu: Tools >> InPrivate Browsing
      In Firefox go to the Menu: (File if you have menu bar visible) >> New Private Window
      … or right click on the link and select “Open Link in New Private Window”
      In Chrome click: the settings menu (three horizontal bars on the right of screen): >>> New Incognito Window

      Good Luck!

  3. Greg says:

    I am also unable to open the article.

  4. TD International Blocks Online ETF Trades says:


    I tried to buy shares of VBS on the Toronto stock exchange yesterday using my TD International Luxembourg account but received an error message telling me that the ETF was not available for on-line trading!

    The message I received was as follows:

    “This stock is currently not available for on-line trading. However, depending on your investment experience, you may be able to place this order by telephone. Please call Client Services Team on +352 2603 2626 for assistance and further information.”

    I quickly e-mailed TD International in order to fin out why the trade had been blocked. The reply I received explained that ETFs are automatically blocked for online trading and that clients would have to contact TD International Luxembourg by telephone each time they wished to buy ETFs. TD International would then review the client’s request to purchase an ETF at that time and decide whether to unblock it for online purchase.

    The TD International Luxembourg rep’s reply was as follows:


    Dear client,

    You may be faced to similar situations everytime you want to buy a fixed income ETF. They are currently blocked because of the European Saving Directives and can be dealt over the phone without additonal charges.

    We can’t unblock ETFs for one account only. Prior to your investment decision, send us an email with the ticker and the market and we will review the ETF for online access.

    Kind regards,


    I do not understand this. What is European Saving Directive?

    Needless to say, I’m not at all pleased with having to telephone them each time I wish to purchase an ETF since that just defeats the purpose of having an online trading account!

    Has anyone else here had the same experience with TD International?

  5. Marcus Love says:

    I am not able to access the article either…

  6. Jamie says:

    Hi Andrew,

    I know this question will deviate from your article but I couldn’t find an article that covered this subject and I think it would be a great one for most north american investors. I’ve been recently reading a lot of literature in regards to real estate investing and considering the hard evidence, I’m wondering if someone would be better off investing their nest egg in real estate or to keep matters simple, would they benefit from paying off their mortgage sooner than start investing in funds etc…

    Since I read your book, I’ve noticed that you never mention real estate investing but rather take a very simplistic approach to socking away your money in a simple 3-4 index portfolio and ride the wave for the next 30 years.

    What I’ve discovered from reading and correct me if I’m wrong but if someone pays off their mortgage as soon as possible they are guaranteed a 3-4% return and could potentially be debt free and free to invest in their late 40s giving them a great sense of security. Yet, I’ve never even hear you speak of taking such an approach.

    For those who are a little more sophisticated, there is also the argument of real estate investing. You get someone else to invest their money in an asset and you will benefit 20-25 years down the road.

    I’m posting this question because I currently own one rental property, I’ve since started investing in the TDeseries funds and was wondering if I should focus my efforts towards one instrument or the other.

    I love reading your blog and look forward to hearing from you,


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