• Listen to it on Apple Podcasts.
• Listen to it on Spotify.
• Listen to it on YouTube Music or YouTube
• Listen to it on Audible and Amazon Music​

Today I’m excited to have a panel discussion with some of the largest personal finance and investing personalities, here in Canada.

Together they have over 46 million views on YouTube (that’s more than the entire population of Canada), and in this episode, I thought it would be great to pick their brains on how they actually invest their own money, what types of investments do they actually buy? what specific ETFs do they buy and what type of investing style have they found to work best for them?

They also ask me the same questions so you’ll get a pretty diverse view of the different options out there, for us Canadians, when it comes to investing.

You’ll notice too that while some of our styles overlap, we do also diverge in a few areas, and so we also tackle what are the pros and cons of the different styles, allowing you to make an informed and more educated decision, on what is the best fit for you.

A Big Thanks to Our Guests:

• Brandon and Marc Beavis from the Beavis Wealth YouTube Channel. You can see the full video version of this episode here. You can also see Brandon’s other company here: Blossom – Social Investing
• Adrian Bar: See Adrian’s Canadian in a T-shirt YouTube Channel Here
• Adriano Starinieri: See Adriano’s Passive Income Investing YouTube Channel Here

A Big Thanks to Our Sponsors:

Saily – Get 15% Off Saily Data Plans!

Discount Link for 15% Off: https://saily.com/buildwealth

If you’re travelling abroad, you need a reliable, fast and secure internet connection on your phone. Not just for safety, but so you can actually enjoy your trip, and not constantly be searching for free wifi at potentially shady locations where often you get an unsecured connection which can pose a security risk. 

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ETF Market Insights and BMO ETFs

Catch the latest episodes on YouTube Here.

There are so many opinions on how to invest your money today, but it can be hard to find credible voices to rely on in the world of finance and investing.

One resource I turn to every week is the ETF Market Insights YouTube channel, led by today’s episode sponsor, BMO ETFs.

Market Insights brings in industry experts and their weekly episodes cover the hottest themes like inflation, infrastructure, healthcare, and more. Tuning in helps me stay up-to-date on what’s happening so I can be a smarter investor. You can also submit your own ETF questions, to be answered on the show.

Do yourself a favour and subscribe on YouTube to ETF Market Insights, or visit ETFMarketInsights.com so you can be notified when future episodes go live.

Sun Life MyRetirement Income:

Learn more at: BuildWealthCanada.ca/myretirementincome

Are you approaching retirement and wondering how to turn your hard-earned savings into an income stream?

Introducing Sun Life’s MyRetirement Income solution. This is available for those who have, or have ever in the past had a Sun Life group savings plan through their employer.

This solution is created for those who are nearing or in retirement and want to receive income tailored to a target age.

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Then, the solution offers a unique blend of income and growth potential to help your money last until your chosen target age.

This automated process eliminates the need for repeated reassessment.

With this solution, your payments will be deposited directly into your bank account while still having the opportunity for your investments to grow.

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To learn more about if Sun Life MyRetirement Income is right for you, visit BuildWealthCanada.ca/myretirementincome to schedule an appointment with a Sun Life retirement consultant today.

“Views from the Desk” Podcast

On this podcast, we often cover best practices that can not only help you now, but will also be relevant throughout your investment lifetime. But what if you also want an update on what is happening with your investments, the markets, and the economy right now?

To help me stay up-to-date on these topics, a great Canadian podcast that I listen to weekly is called “Views from the Desk” (Apple, Spotify, Direct).

They provide timely information for us Canadians on what is happening to our investments right now, as well as other key factors affecting us like changes to our interest rates, our inflation, and regulatory changes that we should know about.

The podcast is hosted by BMO ETFs. I’m a huge fan of theirs, I own a lot of BMO ETFs myself, and it’s a great free resource for both new and existing ETF investors.

I hope you check them out. All episodes are available for free in your favourite podcast player. Just search for “Views from the Desk” or click one of the links below:

• Apple Podcasts
• Spotify
• Directly from their Site

BMO Asset Allocation ETFs:

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BMO actually offers eight asset allocation ETFs. Learn more at BMOETFs.com.

Questions Covered:

1. Let’s start by introducing the panel. Brandon, can you start by telling us a bit about yourself, your area of expertise, roughly how much you currently invest in ETFs, and tell us about the investing style or strategy that you’ve chosen for yourself.
2. To kick things off, I thought it would be good to start with what I consider, one of the easiest investing styles to implement and get started with, while also being extremely effective, very passive, and low cost.
   
   Brandon, as you can probably guess, I’m of course talking about asset allocation ETFs which you mentioned is your preferred investing style. For anybody new to this, can you explain what asset allocation ETFs are, and then go into why you chose this as your primary investing style, along with the ETFs that you actually buy and why.
3. Let’s open it up to the panel: Does anybody else here buy asset allocation ETFs? Why or why not? And if you do, what specific asset allocation ETF do you buy?
4. Adrian, you like to buy the underlying ETFs, instead of just one asset allocation ETF. For anybody new to this, can you explain what that actually means, why you choose to invest in this way, and can you share specifically which ETFs you like to buy as part of this investing style.
5. Let’s open it up to the panel: Does anybody else invest in this way, and if so, what are your favourite ETFs, and give us some explanation on why you chose them and this style of investing.
6. Are there any negatives that you think are worth mentioning when it comes to this investment style of buying the underlying ETFs?
7. Marc, so far our conversation has been dominated a bit by equities (the stock portion of the portfolio), but of course, fixed income is also something that most investors find to be a good fit, especially since not everyone can stomach having a 100% equity portfolio and dealing with those occasional 30% or 40% drops and just riding those out and not panic selling. You have some focus on fixed income in your portfolio which can help reduce that volatility. Can you take us through your thought process on having these types of investments, along with which ones you like and why?
8. Thanks Marc. Would anybody from the panel like to add anything to the fixed income discussion? Are there any fixed income ETFs that you like to buy?
9. Adriano, let’s talk about your investing style now. Yours is a bit different from the vanilla, total market, index investing strategy that most of us on this panel use. Can you speak to why you chose your particular investing style, the pros, the cons, who is it for, and do you have any favourite ETFs or other investments that you like to use as part of it?
10. Let’s open it up to the panel: Do you have any questions, concerns or comments?

Disclaimer:

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For greater certainty, no part of this presentation may be provided to investors and/or potential investors without the written permission of BMO GAM. The information contained herein is not, and should not be construed as, investment advice and or tax advice to any individual. Investments should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. This communication is intended for information purposes only. Any statement that necessarily depends on future events may be a forward-looking statement. Forward-looking statements are not guarantees of performance. They involve risks, uncertainties and assumptions. Although such statements are based on assumptions that are believed to be reasonable, there can be no assurance that actual results will not differ materially from expectations. Investors are cautioned not to rely unduly on any forward-looking statements. In connection with any forward-looking statements, investors should carefully consider the areas of risk described in the most recent simplified prospectus. BMO GAM undertakes no obligation to update publicly or otherwise revise any forward-looking statement or information whether as a result of new information, future events or other such factors which affect this information, except as required by law.