Episódios
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Have you ever wondered if investing in emerging trends, like AI or green energy, could give you an edge? Are thematic investments a smart choice for long-term success? What are the potential pitfalls, and how can investors avoid them? In this episode, we explore these questions and more.
Keith Matthews and Marcelo Taboada examine the appeal of thematic investing, looking at why it draws investors in and why it may often fall short. They discuss findings from a recent Morningstar report that highlights the returns—and missed returns—associated with thematic strategies, shedding light on how timing and trends impact investors' outcomes.
Tune in to learn the do’s and don’ts of thematic investing and how a balanced approach can help you achieve your financial goals without chasing the latest investment craze.
Thank you for tuning in!
Key Topics:
Introduction to thematic investing (0:57)Defining thematic investing and its focus on macro trends (2:05)Why fund companies promote thematic investments and the impact of fees (3:12)Key challenges in thematic investing: the allure of trends and timing (3:47)Discussion on the "buy-low, sell-high" difficulty in thematic strategies (4:28)The Morningstar report on thematic fund returns and investor outcomes (5:20)Differences between time-weighted and dollar-weighted returns explained (6:12)Significant return gap in thematic investing (6:52)"Mind the Gap": Morningstar’s analysis on investor returns vs. fund returns (7:25)Historical themes and their outcomes, from the Nifty Fifty to BRIC (10:05)Importance of fees in thematic investing and their effect on returns (11:45)ARK Innovation Fund example: performance gaps and timing issues (15:13)Dangers of chasing manager performance and its parallels with thematic investing (17:52)Strategies to avoid thematic investing pitfalls (20:12)Discussion on "Core and Explore" strategy and why it often fails (21:30)Final takeaways on resisting the urge to chase trends (22:45)And so much more!
Mentioned in this Episode:
Morningstar: Navigating the Global Thematic Fund LandscapeMind the Gap 2024: A Report on Investor Returns in the USTulett, Matthews & AssociatesThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn,
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Do presidential elections determine the stock market's performance? Is there a difference in returns between Republican and Democrat administrations? In today’s episode, Marcelo Taboada and Jackson Matthews break down the data from past elections and examine the long-term impact—or lack thereof—of political events on the stock market. How does human ingenuity shape market outcomes, and what lessons can investors learn from history?
Join Marcelo and Jackson as they dive into key historical periods, such as the Great Depression, World War II, and the COVID-19 pandemic, to explore how markets react in times of crisis and growth. They also address common misconceptions about the stock market and offer a fresh perspective on investment strategies in the face of political change.
Thank you for tuning in!
Key Topics:
Introduction to election and stock market discussions (0:00)Common misconceptions about U.S. elections and market volatility (1:12)Understanding market resilience despite political changes (2:07)Long-term market trends through various U.S. elections (3:01)The effects of social media and news on investor sentiment (3:50)Discussion on Federal Reserve's role vs. presidential impact on the market (5:00)Case study: The 2016 election and market predictions (7:15)Historical examples of market reactions during past elections (8:45)Insights from major historical events (Great Depression, WWII, etc.) (9:23)The stock market during FDR's presidency (9:57)Economic resilience during Truman and Kennedy administrations (10:45)The Bush era and market behavior during 9/11 and the 2008 financial crisis (11:56)The importance of staying invested despite political events (12:45)Trends during Trump's presidency and the COVID pandemic (13:46)Impact of macroeconomic events and technological advancements (14:32)Discussion on human innovation and economic recovery (15:05)Summary of key takeaways on long-term investing (17:02)Closing remarks and advice for investors during election years (17:50)Personal updates: Marcelo on fatherhood and Jackson's engagement (18:02)And so much more!
Mentioned in this Episode:
Tulett, Matthews & AssociatesThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and Instagram.
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Are you or a loved one facing the challenges of long-term financial planning with a disability? Wondering how to secure a stable future while navigating government benefits? The Registered Disability Savings Plan (RDSP) could be the answer you’re looking for.
Hosts Lawrence Greenberg and Jackson Matthews break down the complexities of the RDSP, explaining how it offers significant government support through income-based grants and bonds, making it a powerful savings tool to help Canadians with disabilities secure their financial future.
With tax-deferred growth, matching grants, the ability for multiple family members to contribute and bonds for low-income families, the RDSP allows for faster savings growth.
Lawrence and Jackson discuss the RDSP’s complexity and the need for expert guidance to fully leverage its potential. Whether you’re planning for yourself or helping a family member, the RDSP can be a game-changer for securing a better financial future.
Thank you for tuning in!
Key Topics:Overview of the RDSP and its importance (1:03)Eligibility requirements for the RDSP (2:02)How the RDSP functions as a hybrid account (2:57)Who can be a beneficiary of the RDSP? (3:27)Contribution limits and rules for the RDSP (4:01)Details of the Canada Disability Savings Grant (4:59)Income thresholds and grant matching (6:02)Canada Disability Savings Bond explained (7:06)Catch-up provisions for missed contributions (9:01)Withdrawal rules and tax implications (10:01)Benefits of the RDSP compared to other accounts (12:00)Takeaways and final thoughts on the RDSP (13:10)Closing remarks and call to action (14:00)And much more!
Mentioned in this Episode:Tulett, Matthews & AssociatesThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media: LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and Instagram.
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Have you ever wondered how the Disability Tax Credit (DTC) can assist Canadians with disabilities and their families? What are the challenges involved in applying for this underutilized credit? How can one effectively navigate the application process to maximize benefits? These and more questions will be explored in today’s episode.
Host Lawrence Greenberg sits down with Christine Brunsden, CEO of Benefits2, to discuss the Disability Tax Credit—a powerful yet often overlooked resource for Canadians. Christine delves into the intricacies of the DTC, clarifying eligibility requirements, debunking common misconceptions, and revealing the broader benefits it can unlock.
The conversation also sheds light on how aspects of aging, such as mobility issues, cognitive decline, and incontinence, as well as chronic illnesses like diabetes, can qualify as disabilities under the DTC. Christine offers practical advice on navigating the application process and underscores the importance of educating both professionals and the public about this valuable financial tool.
Whether you’re exploring the DTC for yourself or a loved one, this episode provides essential insights into obtaining financial support for those with disabilities.
Thank you for tuning in!
Key Topics:
Introduction to the Disability Tax Credit (0:39)Misconceptions about the Disability Tax Credit (1:21)The role of physicians in the application process (3:16)Eligibility criteria for the Disability Tax Credit (6:02)The importance of understanding 'severe and prolonged impairment' (6:29)Retroactive application of the Disability Tax Credit (9:57)The complexities of the T2201 application form (10:54)How Benefits2 assists with the application process (13:38)Common challenges faced by applicants (14:29)Importance of education and awareness about the credit (19:17)Dementia and other cognitive impairments on Disability Tax Credit eligibility (22:16)Services offered by Benefits2 (26:42)The impact of cognitive decline and aging on eligibility (26:56)Overlooked disabilities and the importance of seeking help (29:03)Final thoughts on overcoming stigma and pursuing the Disability Tax Credit (35:12)And so much more!
Mentioned in this Episode:
Tulett, Matthews & AssociatesBenefits2Thanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and
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How should investors react to recent market volatility? What are the lessons from Intel's rise and fall that modern investors can learn from? Is diversification really the key to long-term success?
In this episode, Keith and Lawrence dive into the recent bouts of market volatility and share their thoughts on how you can maintain your composure during these turbulent times. They also delve into the cautionary tale of Intel, once a stock market darling of the late 90's, to emphasize the risks of over-concentrated investments in seemingly "can't miss" stocks.
Whether you're concerned about recent market trends or curious about the fate of once-dominant companies, this episode provides a clearer understanding of why it's essential to stay the course, ignore the noise, and maintain a diversified portfolio that aligns with your long-term financial goals.
Thank you for tuning in!
Key Topics:Introduction to recent market volatility (0:45)Impact of U.S. unemployment figures on global markets (1:18)Contradictory economic data and its effect on the market (2:22)Importance of staying the course and avoiding short-term panic (2:55)Analysis of the VIX (volatility index) and its implications (3:46)Long-term investing mindset in volatile markets (5:05)Introduction to Intel's fall from grace (5:43)Intel's peak and subsequent decline (6:49)Comparisons between Intel and NVIDIA—cautionary tales (7:43)The dangers of concentrated investment in "superstar" stocks (8:45)Takeaways from Intel's story: Avoiding the allure of high valuations (9:26)Concluding thoughts on market volatility and Intel's lessons (10:07)Final message: Stay diversified and focus on long-term goals (10:21)And much more!
Mentioned in this Episode:Tulett, Matthews & AssociatesThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media: LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and Instagram.
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Mid-year review - inflation down, stocks and bonds up: In this episode Keith and Lawrence delve into the 2024 mid-year review, providing a comprehensive overview of year-to-date asset class returns.
They elaborate on the strong performance of various asset classes, particularly emphasizing how technology stocks like NVIDIA have propelled the S&P 500's gains. But they remind us of the importance of not chasing returns, and of the importance of maintaining a globally diversified portfolio for long-term performance and for risk management.
As they look ahead to the upcoming fall US elections, they advise us that sticking to a consistent, diversified investment strategy is far more effective than trying to predict investment outcomes based on election results.
Key Topics:
Mid-year review of portfolios and investments (3:01)Evolving trends shaping investment strategies. (3:20)Star performers driving the market through June 30th, 2024 (3:48)Tech titans, especially NVIDIA, fueling market gains (4:44)Why spreading your investments globally is crucial. (5:31)How today’s valuations set the stage for tomorrow’s returns. (7:52)Insights into the styles of stocks and market trends (10:04)The significance of AI across industries (11:26)Inflation and its impact on your household debt and spending power. (12:29)Historical context of Bank of Canada's interest rate policies (13:40)Implications of higher interest rates on Canadian debt levels (15:15)Advice on balancing investments and debt (17:26)Upcoming U.S. elections and their impact on markets (17:41)And so much more!
Mentioned in this Episode:
Tulett, Matthews & AssociatesBDO CanadaThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and Instagram
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Are you thinking about selling your business but unsure where to start? Wondering how to maximize its value and attract the right buyers? How can you structure your finances to maximize the value of your business?
Tune in as host Keith Matthews and guest Uros Milekic, partner at BDO Canada, explore the critical strategies for enhancing business operations, ensuring accurate financial reporting, and structuring for optimal tax efficiency. Uros also explains the key factors that potential buyers look for and how to position your business to meet those criteria.
Whether you're looking to sell in the near future or planning long-term, this episode offers invaluable insights to help you navigate the complex selling process and secure your financial future.
Thank you for tuning in!
Key Topics:
Why business owners need to prepare their businesses for eventual sale. [00:01:00]5 Key Components: business processes, management structures, people, data and financials, and vision for future growth. [00:02:29]How business owners often get lost in daily operations and fail to plan for long-term goals. [00:03:28]The importance of accurate financial reporting, monthly reporting, and external audits. [00:12:26]The benefits of holding companies and family trusts for tax efficiency and planning. [00:14:11]Explanation of the lifetime capital gains exemption and its criteria [00:15:10]The timing and benefits of setting up holding companies and family trusts. [00:18:32]Understanding business valuation process, who uses it, and its importance in business sales. [00:23:13]Breakdown of different types of buyers (internal, strategic, non-related, and private equity) and how they value businesses. [00:26:03]The growing influence of private equity in the market and their criteria for purchasing businesses. [00:28:25]The differences between selling shares and assets, including tax implications and strategies. [00:31:36]And so much more!
Mentioned in this Episode:
Tulett, Matthews & AssociatesBDO CanadaThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and...
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How can entrepreneurs effectively plan and accumulate wealth? What role do holding companies and the capital dividend account play?
Join host Marcelo Taboada and Uros Milekic from BDO Canada as they dive into key financial strategies for entrepreneurs. Learn how to optimize tax savings, protect assets, and set up holding companies for legal and tax benefits.
Discover the pros and cons of taking a salary versus dividends, managing cash flow, and planning for retirement. Uros explains the Capital Dividend Account (CDA) and Refundable Dividend Tax on Hand (RDTOH) for tax-efficient fund distribution, and highlights Individual Pension Plans (IPPs) as a powerful wealth accumulation tool.
Tune in to navigate financial planning complexities and make informed decisions for your business!
Key Points:
Advisory Team: Importance of a team of accountants, tax advisors, and lawyers. (9:50)Setting Up Holding Companies: Advantages for legal protection and tax efficiency. (16:00)Salary vs. Dividends: Pros and cons, and tax Implications of taking a salary versus dividends. (25:32)Accumulating Wealth: Wealth strategies within a corporation, using RRSPs, TFSAs, and investments. (26:45)Capital Dividend Account (CDA): Using the CDA to distribute funds tax-free. (35:12)Refundable Dividend Tax on Hand (RDTOH): Understanding RDTOH for managing investment income. (40:12)Optimizing Financial Strategies: Techniques for managing cash flow, working capital, and retirement planning. (42:39)Incorporating a Business: Why and when to incorporate for tax benefits and asset protection. (51:37)Insurance Considerations: Types of insurance policies and their implications when held personally or within a corporation. (1:01:52)Individual Pension Plans (IPPs): IPPs as a wealth accumulation strategy for high-income business owners, benefits over traditional RRSPs. (1:05:00)And so much more!
Mentioned in this Episode:
Tulett, Matthews & AssociatesBDO CanadaThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media on LinkedIn,
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As parents, we all want to set our kids up for financial success. But how do you teach them about money in a way that sticks? In our latest episode, Marcelo speaks with Robin Taub, CPA and author of "The Wisest Investment," to get her expert advice on instilling money smarts from an early age.
Robin Taub is the bestselling author of The Wisest Investment. The Canadian edition of this book was awarded the Best Adult Book of 2022 by the Institute for Financial Literacy.
Join us as we discuss the practical tips and exercises Robin outlines in her book, explore her personal experiences, and understand why financial literacy is essential for children, adolescents and young adults. This episode is packed with insights for parents, grandparents, and mentors who are keen on making a lasting impact on their children’s financial future.
Thank you for tuning in!
Key Topics:
The Wisest Investment: Robin Taub’s book and its impact (1:04)Financial struggles of parents and the importance of teaching kids about money (5:25)Marcelo's personal experience and how his financial journey shaped his views (15:00)The role of values in financial education and how to instill them in children (25:30)Using teachable moments to impart financial lessons to kids (27:21)Robin's background and journey into financial education (30:32)Different approaches to allowances and tying them to chores (36:44)How budgeting can be made fun and engaging for kids (40:06)The importance of gratitude and giving in financial education (44:17)Introducing kids to investing and the stock market (49:49)Using board games to teach kids about money (48:33)The impact of technology and mobile banking on financial education (54:53)The significance of letting children make financial mistakes and learn from them (1:05:00)The importance of financial literacy (1:10:45)And so much more!
Mentioned in this Episode:
The Wisest Investment by Robin TaubGet Smarter About MoneyAtomic Habits by James ClearECHOageThe Good Life by Robert Waldinger11 rings: The Soul of Success by Phil JacksonMan's Search for Meaning by Viktor E. FranklPodcast: Teaching Kids about Money with Guest Will RaineyTulett, Matthews & AssociatesThanks for Listening!
Be sure to subscribe on Apple,...
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Join us as we celebrate 100 years of mutual fund history, reflecting on how they've helped shape investor access to the markets.
Keith and Marcelo discuss the journey of mutual funds (MF) from a niche product created in 1924 to a mainstay in the investment world, examining both the benefits and challenges they present for today's investors.
They highlight mutual funds' ability to provide diversified exposure to various markets, easy access to foreign investments, and convenience in buying and selling shares.
They also tackle the downsides of mutual funds head-on: high fees, lack of transparency, and sales-driven practices from big banks and others that plague the industry. Despite the availability of lower-cost alternatives like ETFs and other low fee MFs, Canadians continue to be pulled to high-fee MFs. Why?
Keith and Marcelo remain optimistic about the future, pointing to an increasing availability of low-fee investment options and the growing demand for independent, evidence-based financial advice.
Explore the pivotal moments in mutual fund history and gain insights into how understanding this history can benefit your investment strategy today.
Thank you for tuning in!
Key Topics:
● The historical significance and impact of mutual funds on investing (00:39)
● Overview of mutual fund benefits, including diversification and accessibility (01:15)
● Mutual funds' role in the democratization of financial markets (03:22)
● High fees associated with Canadian mutual funds and transparency issues (05:15)
● Evolution of mutual funds and the introduction of ETFs (07:30)
● The shift from defined benefit pensions to defined contributions (09:45)
● Canadian vs. U.S. investment trends in mutual funds and ETFs (11:05)
● Discussion on mutual fund fee structures in Canada (13:18)
● The changing landscape of investing and the rise of passive strategies (15:30)
● Long-term trends and future for mutual funds (18:25)
● Summary of key takeaways and the importance of informed investing (20:40)
● Adoption of Vanguard's ETF Portfolio and Shift Towards Passive Investing in Canada (22:18)
And so much more!
Mentioned in this Episode:
Tulett, Matthews & AssociatesThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and Instagram
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Are you wondering how the proposed 2024 Federal Budget changes might affect your investments? Curious about the implications of the increased capital gains inclusion rates? Want to know the key considerations for financial planning in light of these changes? Today's episode dives deep into these questions and more.
Today, Keith is joined by Gerry Theus, a seasoned tax expert, to explore the nuances of the proposed capital gains inclusion rate increases. They will discuss the transition from the old rate to the new, highlight the direct impacts on various investment structures, and unravel strategies to optimize financial outcomes under these new regulations.
This episode is crucial for anyone looking to understand and navigate the new tax laws effectively.
Thank you for tuning in!
Key Topics:
● Gerry's background in tax law (02:29)
● Which types of investment structures are impacted by capital gains taxes (04:52)
● Assets that are exempt from capital gains taxes and clarifying common misconceptions (07:21)
● Assets that are typically subject to capital gains taxes upon appreciation (09:38)
● Tax bands and implications for individuals (12:26)
● Triggering gains before law changes (14:48)
● Strategies for dealing with capital gains from real estate (17:24)
● Advantages of being able to sell parts of a portfolio to manage potential capital gains tax liabilities (19:46)
● Future considerations for entrepreneurs holding commercial property (24:31)
● Capital gains adjustments for entrepreneurs (26:53)
● Updates on the the Lifetime Capital Gain Exemption (LCGE) increases (29:14)
● Update of the new Canadian Entrepreneurs Incentive program (31:41)
Mentioned in this Episode:
Tulett, Matthews & AssociatesThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and Instagram
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Wondering how you can simplify your investment strategy without sacrificing returns? How does a straightforward approach to investing lead to financial security? Discover the answers in this episode as we discuss the principles of index investing and the power of keeping it simple.
Keith Matthews is joined by Nicolas Bérubé, an award-winning financial journalist and author (of From Zero to Millionaire), to explore the benefits of a stress-free investment strategy. Nicolas shares his journey from being a curious reporter during the financial crisis to becoming a proponent of index investing, highlighting the importance of understanding market behavior and the futility of trying to predict the future.
We dissect common misconceptions about active and passive investing, why aiming for average returns is a pathway to exceptional long-term success, and how maintaining discipline in your investment strategy can lead to financial empowerment.
Thank you for tuning in!
Key Topics:
● Introduction to Nicolas Bérubé and his journey in financial journalism (00:39)
● Impact of the 2008 financial crisis on investment perspectives (03:20)
● Misconceptions about stock market investing and the reality of index funds (05:56)
● The significance of behavior in investment success (13:02)
● Importance of starting early in investing and the concept of compounding (20:50)
● Debunking the myths around index investing and market timing (27:14)
● Discussion on the downside protection in index funds (34:07)
● Nicolas Bérubé's investment philosophy and his view on being a 'lazy investor' (38:22)
● Future of index investing in Canada and globally (43:00)
● The early adoption of exchange-traded funds (ETFs) and the gradual recognition of their benefits in the investment community (44:57)
● Why active management often underperforms index funds, even in volatility(49:13)
And much more!
Mentioned in this Episode:
Tulett, Matthews & AssociatesNicolas Bérubé’s book, "From Zero to Millionaire"La PresseThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram
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Have you ever wondered what happens to your tax obligations when you leave Canada to become a non-resident? What about the complexities of owning property in Canada while living abroad? Are you aware of the intricate tax implications involved in these scenarios?
In today’s episode, Marcelo Taboada speaks with Julie Cote from Chaise Bleu. With her extensive experience in taxation and specializing in non-resident Canadians owning property in Canada, Julie sheds light on the often misunderstood and overlooked aspects of taxation for non-residents. This episode is a deep dive into non-residency status, property ownership, and the critical tax considerations that come with these situations.
Join us as we unravel the complexities of non-residency and property ownership from a taxation perspective. This episode is not just for those directly affected but also serves as a knowledge reservoir for anyone who might know someone in such circumstances. Tune in to equip yourself with essential insights and strategies for efficient tax planning and compliance.
This podcast episode with Julie Cote was recorded on Nov 11th, 2023. Since then, have been two important changes.
1 - The minimum late filing penalty for the Underused House Tax UHT has been reduced:
To $1,000 for individuals (previously $5,000 as mentioned in the podcast)To $2,000 for corporations (previously $10,000 as mentioned in the podcast)2 - The Ban on foreign Buyers has been extended by two years to January 1st, 2027.
Key Topics:
Understanding non-resident status and tax implications (8:00)Myths and facts about property ownership as a non-resident (15:30)strategies for non-residents planning to return to Canada (25:01)The impact of foreign buyers on the Canadian property market (30:53)Demystifying the underused housing tax (34:49)And much more!Mentioned in this Episode:
Tulett, Matthews & AssociatesThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and Instagram
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Can you quantify the value of financial advice? How does an advisor enhance your investment returns? What role does behavioral coaching play in your financial success? Dive into these compelling questions in our latest episode of The Empowered Investor. Join us as we explore the intricate relationship between financial advice and investment success, featuring the insightful expertise of Emile Bouchard from Vanguard.
In this episode, we delve deep into Vanguard's groundbreaking research on the value of financial advice. Emile Bouchard, a seasoned professional in the financial services industry, shares his insights on how Vanguard's approach to evidence-based investing and low-cost strategies is reshaping the industry. We dissect the critical components contributing to the value added by financial advisors, including portfolio construction, behavioral coaching, and holistic wealth management.
Wrapping up, we reflect on the evolving landscape of financial advice in the age of AI and robo-advisors. Discover why the human element in financial planning remains irreplaceable, fostering trust, understanding, and customized strategies that align with your unique life events and goals.
Thank you for tuning in!
Key Topics:
Emile's background and role at Vanguard (1:37)Overview of Vanguard's research on the value of advice (3:11)Importance of asset allocation and portfolio construction (11:49)Emphasis on low-cost investments and their benefits (17:38)Holistic wealth management and its impact (22:09)The critical role of behavioral coaching (25:07)Discussion on AI, robo advisors, and the future of financial advice (34:55)Mentioned in this Episode:
Tulett, Matthews & AssociatesVanguardThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and Instagram
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How did the key financial events of 2023 shape the investment landscape? What lessons can investors take from these developments as we move into 2024? Join us in this episode as we delve into these questions and more.
Keith Matthews and Lawrence Greenberg offer a comprehensive analysis of 2023, highlighting the performance of different asset classes, the role of major tech firms, and the impact of inflation and central bank policies. They discuss strategies for navigating the markets and how to avoid common investment mistakes, providing valuable insights for investors
Thanks for joining us on this journey through the past year and into the future. We hope these insights will guide your investment decisions in 2024.
Thank you for tuning in!
Key Topics:
Discussion on 2023 asset class returns (1:41)Analysis of the 60/40 portfolio performance (2:29)Impact of the Magnificent Seven tech firms on the market (4:53)Style factors in the stock market (8:19)Major economic and stock market themes of the year, including rates and inflation (9:16)Interest rate policy and its effects (11:21)Possibility of a soft landing or a recession? (14:05)Canada's economic growth and TSX returns (14:43)Discussion on stock pricing and recession expectations (16:13)Analysis of Federal Reserve rate cuts (17:08)Long-term investing perspectives (18:20)Bond yields and investor positioning (19:03)Enthusiasm around artificial intelligence and its market impact (22:37)Importance of avoiding errors and pitfalls in investing (23:50)And much more!Mentioned in this Episode:
Tulett, Matthews & AssociatesThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and Instagram
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Are we learning from history or repeating the same patterns in different contexts? How does understanding human behavior enhance our investment strategies? Can the past unlock secrets for future financial success? In this episode, hosts Marcelo Taboada and Jackson Matthews engage in an insightful book review of Morgan Housel's latest work, 'Same as Ever.' This episode not only delves into the book's key themes but also connects these ideas to practical investment strategies and financial planning.
Morgan Housel, in 'Same as Ever,' explores the repetitive nature of human behavior through various historical lenses, emphasizing that while contexts may change, core human traits like fear, love, power, greed, and envy remain constant. Marcelo and Jackson analyze these themes, primarily focusing on how they relate to investors' decisions and the financial world.
The discussion pivots to lessons for investors, emphasizing the importance of managing expectations, understanding the role of envy in financial decisions, and the necessity of adopting a long-term perspective in investment strategies. The episode ends with a reflection on the core principles of Tulett, Matthews & Associates, reiterating their commitment to client-centric services, evidence-based investment philosophy, playing the long game, and diversification.
Thank you for tuning in!
Key Topics:
Introduction and overview of 'Same as Ever' (01:10)The role of envy in financial decisions and its historical context (3:45)Managing expectations: the key to economic and personal well-being (11:00)The importance of a long-term perspective in investment strategies (17:30)Diversification and evidence-based investing as core principles (28:00)Mentioned in this Episode:
Same as Ever: A Guide to What Never Changes by Morgan HouselThe Psychology of Money by Morgan HouselTulett, Matthews & AssociatesThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
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Curious about what a "soft landing" in the economy means? Is the United States on the brink of achieving one amidst current economic challenges? Interested in how such a scenario could affect your investment portfolio?
In today’s episode, we dissect the elusive concept of a "soft landing" economically, analyzing the potential for such an outcome in the current U.S. economy. Keith and Marcelo guide you through the implications for investors, discussing historical examples and recent market dynamics. They will share strategies to manage your investments in these uncertain times, emphasizing the vital role of diversification and maintaining a consistent investment philosophy.
Join us as we navigate the intricate cycles of the economy and unveil actionable strategies for you. This episode promises to enhance your understanding of economic fluctuations and how to embrace a consistent investment approach. Tune in now for a deep dive into economic resilience and investor empowerment.
Thank you for tuning in!
Key Topics:
Analyzing the dynamics of economic "soft landing" and "hard landing" (1:30)Comparing economic trends in the U.S. and Canada (8:39)Historical precedence of soft landings amid high inflation (10:05)The role of diversification for long-term financial stability (13:16)And much more!Mentioned in this Episode:
Tulett, Matthews & AssociatesThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and Instagram
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In this episode, we dissect the intricate world of dividend investing, breaking down common assumptions and exploring its role within a well-rounded investment strategy.
We'll delve into the impact of dividend reinvestment on total returns, the tax advantages of controlling distributions, and the importance of not relying solely on dividend paying stocks for diversification. Our discussion will shed light on the psychological allure of dividends during market volatility and why a broader perspective that includes capital appreciation is crucial for wealth growth.
Join Lawrence and Keith as they navigate the complexities of dividends, offering insights that challenge the status quo and empower you as an investor.
Key Topics:
Understanding the pros and cons of prioritizing dividend-paying stocks (1:05)Examining the impact of dividend distribution on stock market prices (5:33)Comparing tax treatments for dividend income versus capital gains (10:24)Debunking the myth that all stocks offer similar appreciation rates (11:11)Clarifying that dividends are an integral component of total investment returns (13:16)The long-term effects of not reinvesting dividends on investment growth (17:10)Addressing the misconception that dividend payouts are always reliable (19:54)Analyzing how dividend-centric ETFs fare when interest rates rise (23:33)The pitfalls of dividend investing strategies, including tax inefficiencies (25:29)And much more!Thank you for listening!
Mentioned in this Episode:
Tulett, Matthews & AssociatesBe sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and Instagram
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In this episode, we continue our in-depth look at international diversification strategies for Canadians. Building on last week’s conversation, today we ask the burning question: How much should you invest in different global markets - US, International or Emerging Markets? We dive into the nuances of valuations and expected returns adding clarity and confidence in global diversified portfolios.
Learn why Canadians should rethink their home bias in investing, especially when our national market constitutes just 3% of the global stock market. We also revisit Vanguard's recommendation that 70% of your equity holdings should be invested outside of Canada. Discover the critical interplay between valuations and historical returns, helping you understand and embrace an investment strategy that is truly global and diversified.
Join Keith and Marcelo as they guide you through the maze of international investing backed by the latest research and expert opinions.
Thank you for tuning in!
Key Topics:
Why Canadians should explore international investing strategies for global market allocations (1:12)How the AQR report impacts views on the U.S. versus international stocks (4:12)Why international stocks may offer growth with lower PE ratios (7:46)Examining decade by decade the differences in performance of U.S. and international markets (11:15)Why diversification protects long-term returns despite short-term market volatility (13:54)The ease and affordability of international investing for Canadians (18:56)And much more!Mentioned in this Episode:
Tulett, Matthews & AssociatesVanguardThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112.
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and Instagram
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In today's episode, we highlight the benefits of global diversification for Canadian investors. We highlight actionable strategies for Canadians looking to invest outside their home turf, making the once-challenging access to US and international markets more straightforward and affordable.
We start by reviewing the groundbreaking work by Henry Markowitz on modern portfolio theory, illuminating how diversification can help you gain better returns with less volatility. We discuss the Canadian investor tendency towards home bias in investments and discuss the merits of looking beyond national borders.
Wrapping up the episode, we point to a recent Vanguard report that outlines the ideal equity allocation for Canadian investors.
Join your hosts Keith & Marcelo as they guide you through this intricate yet vital topic, helping you craft a global investment strategy that's well-rounded and research based.
Key Topics:
Why Canadian investors should consider global diversification for better returns (1:46)How diversification enhances returns while reducing risk (5:47)Exploring the home bias among Canadians and its effect on their portfolios (13:13)Global investors favor home markets; Americans least biased, Australians and Canadians most biased (16:48)Assessing concentration risks in the Canadian equity market (20:41)Analyzing Vanguard Report's endorsement for global diversification in Canadian portfolios (22:54)Review of Vanguard's recommended global allocation for Canadian investors: 30% Canadian equity, 70% international (US, EAFE & Emerging Markets)Why it’s easier than ever for Canadians to build globally diversified portfolios (26:53)Mentioned in this Episode:
Tulett, Matthews & AssociatesVanguardThanks for Listening!
Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at [email protected] or 514-695-0096 ext.112
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and Instagram
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