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🌱 Apprentice Academy

Content to help all beginners starting to invest and build wealth

The Truth Banks Won’t Tell You: Mutual Funds Are Costing You a Fortune
Eric T

Nov 29, 2025

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6 min read

The Truth Banks Won’t Tell You: Mutual Funds Are Costing You a Fortune

Mutual funds are still the #1 product pushed by Canadian banks. Not because they’re good for you, but because they’re extremely profitable for them. With management fees often 20x higher than ETFs, most mutual funds fail to outperform the market and quietly drain your long-term wealth through avoidable fees.

Your First $100K: Why It’s the Toughest and Exactly How to Get There
Eric T

Nov 16, 2025

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6 min read

Your First $100K: Why It’s the Toughest and Exactly How to Get There

Ready to hit your first $100K? Follow a proven plan to save, invest, and grow wealth with confidence—no shortcuts, just smart strategy.

Asset Allocation — The Foundation of Every Portfolio
Eric T

Nov 10, 2025

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7 min read

Asset Allocation — The Foundation of Every Portfolio

Learn how to set your asset allocation (the mix), understand the major asset classes, why fixed income isn’t always “guaranteed,” and how quarterly rebalancing buys low and sells high without timing the market.

Investment Planning — Reach Your Goals Faster
Eric T

Oct 26, 2025

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12 min read

Investment Planning — Reach Your Goals Faster

Reach your goals faster with a step-by-step investment plan that connects your income, timeline, and investor profile. Learn how to automate, measure, and stay the course — one milestone at a time.

Get Started With Index Investing
Eric T

Oct 24, 2025

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9 min read

Get Started With Index Investing

A beginner-friendly guide to building wealth the simple, proven way. Learn how to invest in ETFs that track the market, automate your contributions, and grow your wealth without the stress of stock picking.

The Investor’s Guide to Understanding Risk
Eric T

Oct 15, 2025

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16 min read

The Investor’s Guide to Understanding Risk

Do you really know what your investor profile says about you? Take a quick look inside the world of risk, the Big Mac Index, and what they reveal about your path to financial freedom.

Your Ultimate Guide to Canadian Investment Accounts: TFSA, FHSA, and RRSP
Eric T

Sep 27, 2025

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15 min read

Your Ultimate Guide to Canadian Investment Accounts: TFSA, FHSA, and RRSP

Don't be overwhelmed by all the accounts available to invest. Use this simple guide to make sense of them and understand where to get started. This guide makes it easy to navigate how to put your money to work!

Best Online Brokers in Canada: Complete Comparison & Reviews
Eric T

Sep 26, 2025

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14 min read

Best Online Brokers in Canada: Complete Comparison & Reviews

Choosing a broker isn't hard! Only a few items to consider before you get started. Identify what matters to you with a trading platform and start investing your money.


a smart investing journey

Smart investing strategies to build wealth, reach your financial goals, and create the freedom to live life on your terms.

Disclaimer

A smart investing journey is not a licensed financial advisor, planner, or securities dealer. The content on this website is for educational and informational purposes only and reflects our personal opinions. It should not be interpreted as financial, legal, or investment advice, and it may not be suitable for your specific situation. Always do your own research and consider speaking with a qualified professional before making financial decisions.

Some articles may contain external links for convenience and learning. A smart investing journey is not responsible for the content, accuracy, or policies of these external sites.

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