Plain English Finance

Ep. 12 | Why a 100% Equity Portfolio Could Be Your Best Bet


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Investing Simulator: https://buildyourstax.com/

Most people think bonds are “safe” and stocks are “risky.” But what if that’s exactly backward, especially over the long term?

In this episode, Tré breaks down the real meaning of asset allocation and why traditional advice like “add more bonds as you age” may be setting you up for failure. Backed by research, Tré explains why a 100% equity portfolio often leads to the best outcomes — and how to know if it’s right for you.

You’ll learn:

  • Why bonds can increase your risk of running out of money in retirement
  • What “balanced” portfolios really deliver—and why they might fall short
  • How to match investments to your spending timeline (not your age)
  • The emotional traps investors fall into (like anchoring bias)
  • Why financial literacy is your best defense against panic
  • How to think about asset allocation across TFSA, RRSP, and corporate accounts

Follow, review, or share this podcast to help more Canadians invest with confidence.


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Plain English FinanceBy Tré Bynoe CFP®, CIM®