Personal Stories – Page 2 – Canadian Money Talk

Video: What’s the Best Retirement Withdrawal Strategy?

Using the 4% rule, or with an updated 3.7% #withdrawal #rate in #retirement, what’s the best withdrawal #strategy? You can use #fixed #real withdrawals, which offer the benefit of #simplicity, or #dynamic #strategies, which factor in #portfolio #performance and #spending. The strategy depends on #Market #conditions, #inflation and #lifestyle.

The #CanadianMoneyTalk channel concentrates on #Canadianinvesting and #personalfinance in Canada.

Visit: http://www.canadianmoneytalk.ca
The Investing & Personal Finance Basics course is at https://canadianmoneytalk.ca/investing-personal-finance-basics-course/
The Advanced Investing: Stock Analysis Course is at https://canadianmoneytalk.ca/advanced-investing-stock-analysis-course/

Video: Top 5 Stocks for 2025

This is my Top 5 #stockpicks for #2025. They are mostly #value #investments: #GENERALMOTORS #GM, #POLARISRENEWABLEENERGY #PIF, #TELUS #T, #BAIDU #BIDU, and #TORONTODOMINION #TD. I also offer a draw for an hour of #mentoring via #video call with me for those who comment on Youtube.

The #CanadianMoneyTalk channel concentrates on #Canadianinvesting and #personalfinance in Canada.

Video: Things I do January 1st

This video is about some actions to help with #taxes, #financialgoal and #Budget for the #2024 and #2025 calendar years. With the #NewYear having come and gone, I thought I would share some things that I did on #January 1st of 2025, and what the state of my #finances is. I look at my #networth, budget, total #dividends, #taxbrackets, #compare my #investing prowess against the #benchmark, show my 2025 #TFSA purchase, #fees, creating #SMART #goals, #rebalancing a #portfolio and other #administrative things for 2025.

The #CanadianMoneyTalk channel concentrates on #Canadianinvesting and #personalfinance in Canada.

Video: Getting Cashflow: Dividends or Sell Shares?

Let’s #compare and #contrast #dividend-paying #stocks (#value investing) and #growth #investing in #Canada, and determine which is the best for #cashflow and #money coming in. Someone who is in #retirement or in #FIRE would be interested in this. I look at #Pros and #Cons of both, from #taxation, #volatility, #income #stability, #growth, #investor #psychology, #control, #profits, #dividends and their meaning, and #risks.

The #CanadianMoneyTalk channel concentrates on #Canadianinvesting and #personalfinance in Canada.

Video: Dave Ramsey: Why His Advice Isn’t for Everyone

Are you following the #DaveRamsey #financialadvice but feeling like it doesn’t quite fit your situation? In this video, I take a deep dive into Dave Ramsey’s popular personal finance theories and offer a #criticalanalysis of why his #one-size-fits-all #approach might not work for everyone. From his stance on #debt to his #investment #strategies, I challenge some of Ramsey’s key principles and provide #alternative #perspectives to help you find a financial strategy that suits your #unique #needs. I explore the #pros and #cons of Ramsey’s methods and discuss more flexible, modern approaches to managing your money.

The #CanadianMoneyTalk channel concentrates on #Canadianinvesting and #personalfinance in Canada.

Video: Non-Financial Considerations prior to Retirement

Retiring is a significant #life #transition, and considering #non-financial #factors is just as important as #financial #planning. Here are some key aspects to think about: #Health and #Wellness, #Social #Connections, #Purpose and #Fulfillment, #Routine and #Structure, #Housing and #Living #Arrangements, #Personal #Growth and #Education, and #Legacy and #Givingback. By considering these #non-financial aspects, you can create a #fulfilling and #enriching #retirement #experience.

The #CanadianMoneyTalk channel concentrates on #Canadianinvesting and #personalfinance in Canada.

Video: Stock Buying & Selling Strategies

The video covers a #question about #entry and #exit #strategy for #stocks – how much to buy and when to buy, and what to do if the stock goes up or down. I look at #buy and #sell #strategies, as well as the #psychological and #mindset aspects of #owning stocks. I discuss the best way to #allocate #capital for the #best #ROI.

The #CanadianMoneyTalk channel concentrates on #Canadianinvesting and #personalfinance in Canada.

Video: Investment Opportunities around the Globe in 2025

The video looks at #Investing #Themes, #Sectors and #geographical #locations to invest in through #2025 and beyond. I look at #themes like #AI #infrastructure, #applications, #geopolitics, #Environmental #Sustainability, #Private #Markets, and the #Energy #Transition. The #sectors I cover are #Technology including #Cybersecurity, #Healthcare, #Energy, #Industrials, #FinancialServices and #BasicMaterials. Finally, I look at several #countries, grouped by #fastest-growing, #emergingmarkets, #developedmarkets and #Other.

The #CanadianMoneyTalk channel concentrates on #Canadianinvesting and #personalfinance in Canada.

Updated list of Canadian dividend payers and what kind of distribution they pay

For a #dividend #investor, using non-registered accounts, how the dividends get #taxed is important. I had previously compiled, and just brought up to date, a list of all publicly-traded #Canadian dividend payers. I painstakingly found what kind of #distributions the 500+ companies pay. The list is available here. I also provide the location you should check prior to buying the stock to confirm the #taxation on the distributions. If you invest in Canadian dividend payers in a non-registered account, find your companies in this list.

Find your combined provincial and federal tax table on taxtips.ca, but you can see below there is a significant difference in taxes for Canadian Eligible Dividends, Capital Gains, and everything else. This is why I compiled the list, and hope it is useful.

Video: Small Cap vs. Large Cap Companies

The video is about #differences between #smallcap #stocks and #large #companies. I also compare #growth and #value #investing. I show the #morningstar #stylebox and we look at #GSY #Goeasy, #E #Enterprise and #PAY #payfare. We look at #Risk and #Volatility, #Growth #Potential, #Liquidity, #Dividends, #Market #Influence, #Management and #Governance, Access to #Capital and #Diversification. I describe what I look for in my #investments, such as #capitalgains, #PEratio, #profits and #cashflow, and #dividendpayers.

The #CanadianMoneyTalk channel concentrates on #Canadianinvesting and #personalfinance in Canada.