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6 minutes | Jan 14, 2022
Efficient Markets - The Next Frontier
Welcome to Efficient Markets! I'm making a special announcement on today's podcast. After a lot of thought, I have decided to continue Efficient Markets as a video podcast on YouTube going forward. A few factors in my decision were: 1) the positive feedback on video from clients and friends 2) the desire to include more visual elements to the show 3) the desire to focus even more on evidence-based investing and factor investing topics in an easy-to-digest format Going forward, all episodes will be posted on my YouTube channel and my website under the "videos" tab. THANK YOU for listening to this show over the past 2 years. I hope that you will follow me over to YouTube and that we can continue to engage there. The link to my YouTube Channel is: https://www.youtube.com/channel/UCGGj7dvaIKjE-8tb-keQafA See you soon! Mark
17 minutes | Jan 6, 2022
Co-Signing on a Child's Mortgage and Government Debt and Stock Returns
Today we talk about what it means to co-sign on a child's mortgage. We look at the implications and the risks, and how to prepare if you decide to take this step. From there we look at a recent report from Dimensional Fund Advisors that looks at the relationship between government debt levels and stock returns. Detailed notes and links can be found on my blog at https://walhoutfinancial.ca/podcast Thanks for listening! Mark
19 minutes | Dec 2, 2021
Inflation - Canada from 1972 - 1982 and Lessons for Investors Today
On today's episode, I am going to spend some time talking about a topic that is on everyone's minds these days - Inflation. I am going to talk about the last time that we saw really high inflation in Canada, how various asset classes responded during those timeframes, what we can take away from that, and the things we can do to protect ourselves against the impact of inflation. Links and Resources can be found on my blog at https://walhoutfinancial.ca/podcast Thanks for listening! Mark
28 minutes | Nov 10, 2021
What does a $1M Retirement Look Like?
Welcome back to Efficient Markets! When asked how much people need saved up to have a comfortable retirement, the answer will often come back - $1 Million Dollars. I thought it would be fun to test this out. In this episode I break down what a $1M retirement looks like. I also run through some adjustments that can be made to boost retirement income. With our hypothetical couple, Jack and Jill, we find out how they can retire with $1M saved up. Then, we work through some adjustments to make the plan work for them. I have detailed notes on my blog for this episode, so you can follow along - https://walhoutfinancial.ca/podcast/what-kind-of-retirement-can-i-expect-with-dollar1-million-dollars-saved-up Thank you for listening! Mark
31 minutes | Nov 5, 2021
Trillions by Robin Wigglesworth - Top 10 Takeaways
Welcome back to Efficient Markets! On today's episode, I review the Top 10 takeaways book "Trillions" by Robin Wigglesworth. This is the first book I have come across that provides an in depth look at the history of the people and companies that started the index fund revolution. I hope you enjoy this brief review! Detailed notes are available on my blog at www.walhoutfinancial.ca/podcast Have a great day! Mark
20 minutes | Oct 21, 2021
Friends Don't Ask Friends to Be Executor
Asking a close loved one or a friend to be your executor may seem like a nice thing to do. Even an honor, that you would trust that person to handle your affairs once you've passed away. Many people agree to be the executor for a family member or friend without thinking twice about it. But, the job of being an executor is a challenging one. On today's episode we talk about the job of the executor, the time it takes to do the job, and the risks that the executor takes on. Then, we introduce the role of the corporate executor, costs, and reasons why you might consider hiring a corporate executor despite the additional costs. Links and notes can be found on my blog at www.walhoutfinancial.ca/podcast Thanks for listening! Mark
10 minutes | Oct 7, 2021
Digital Estate Planning
On today's episode, we talk about digital estate planning. More and more of our lives are online. Increasingly, our assets are in digital form. Think of your social media accounts, subscriptions, rewards points, and cloud storage services. Traditional estate plans cover things like bank and investment accounts, physical assets, and real estate. But, your digital assets need to be taken care of in your estate as well. On today's episode I talk about what assets need to be considered in your digital estate plan. I talk about what some platforms are doing to help people do some estate planning themselves within the platform. I explain how to get your estate attorney to help you write language into your estate documents to deal with digital assets. And I talk about some solutions that can help you with efficiency in your planning. Links and show notes will be on my blog shortly. Thanks for listening, Mark
13 minutes | Oct 1, 2021
When Do I No Longer Need Life Insurance?
Welcome back to Efficient Markets! Today, we talk about a question that I have gotten from a number of clients over the past few weeks. When do I no longer need life insurance? We talk about the role of life insurance, the different types of life insurance, what insurance is meant to do, how much it costs, and how to think about whether or not you need it anymore. Links and show notes will be available on my blog at www.walhoutfinancial.ca/podcast Thanks for listening! Mark
15 minutes | Sep 23, 2021
Canadian Prime Ministers and Canadian Stock Returns, Intra-Year Declines, and the Behaviour Gap
Welcome back to Efficient Markets! On today's episode we look at stock returns in Canada by Prime Minister going back to 1957. From there, we talk about intra-year declines and what they mean for full year stock returns. We finish with a discussion about the behaviour gap - which is the difference between stock market returns and the actual returns realized by the investors in the market. Charts and links can be found at www.walhoutfinancial.ca/podcast Thanks for listening! Mark
12 minutes | Sep 1, 2021
Home Country Bias - What Is It, and Why Does It Matter?
Welcome back to Efficient Markets. On today's episode, we talk about home country bias. According to Statista.com - Canadian stocks make up 2.4% of the total global equity market capitalization. According to Vanguard, Canadians, on average, allocate about 56% of their equity portfolios to Canadian stocks. This is what is called a home country bias. We talk about the issues with allocating so much of your portfolio to Canadian stocks and some of the reasons that you may want to diversify away from Canada in your portfolios. Detailed show notes and links can be found on my blog this week at www.walhoutfinancial.ca. Thank you for listening. Mark
14 minutes | Aug 23, 2021
Tapping into Home Equity to Fund Retirement
On today's show, we talk about tapping into home equity to fund retirement spending. I talk about some of the benefits and the potential drawbacks and pitfalls of tapping home equity to fund retirement. I finish off with some recommendations for retirees considering using home equity to fund retirement Notes, links, and charts used in this episode can be found on my blog at www.walhoutfinancial.ca/podcast this week. Thanks for listening, Mark
22 minutes | Aug 19, 2021
6 Keys to the Upper Reaches of Investing : Nick Murray
Welcome back to Efficient Markets Nick Murray's writing has had a big impact on me and how I advise clients. Today I go through the 6 keys to the upper reaches of investing that Nick lays out in his book "Behavioural Investment Counselling". I believe that if an investor can get these 6 steps right, their long term returns will beat the majority of their friends, neighbors, and family members...and probably most professional investment managers as well. Links and notes will be posted on my website this week. Thanks for listening! Mark
11 minutes | Jul 21, 2021
The Value of Staying the Course
Thank you for tuning in. On today's episode I talk about the resent resurgence of the value factor. Being a value investor has been difficult over the past 10 years, especially in the US. But, the dramatic rebound in the value factor has given investors a nice "shot in the arm" and a reminder that factors can show up quickly and forcefully. I also talk about Larry Swedroe's research on the reason that we own factors. We own unique risk factors for diversification purposes. Any factor, including market beta, can go through long periods of underperformance. Detailed charts, links, and notes can be found on my blog at www.walhoutfinancial.ca/podacst Thanks for listening. Mark
9 minutes | Jul 14, 2021
A Winning Investment Strategy (Historically)
Welcome back to Efficient Markets. Today we talk about high flying growth stocks being added to the S&P 500. We compare them to the stocks that are removed from the index to make room for them. Which stocks do you think outperform going forward? The answer might surprise you. Blog post and show notes can be found on my blog this week at www.walhoutfinancial.ca/podcast Thanks for listening! Mark
12 minutes | Jun 30, 2021
The Good and the Bad of Retirement Saving Rules of Thumb
On today's show we talk about the good and the bad of retirement saving rules of thumb. Detailed blog and links can be found on my website at www.walhoutfinancial.ca/podcast Thanks for listening! Mark
8 minutes | Jun 28, 2021
Should I Own a Concentrated Portfolio of Stocks?
Hello, On today's episode, I talk about concentrated stock portfolios. This past year has been the year of the "meme" stock and investors have been piling into the market. You might wonder, should I pick individual stocks to get wealthy in the stock market? I explore some data from DFA that looks at the cost of missing out on the biggest winners in the global stock market. Yes, owning a concentrated portfolio is a good way to out-perform, but you stand the same chance to dramatically under-perform a simple, broadly diversified portfolio of index funds. Detailed notes, charts, and links can be found on my blog at www.walhoutfinancial.ca/podcast Thanks for listening! Mark
11 minutes | Jun 22, 2021
Checking in On Actively Managed Funds in 2020
In today's episode I talk about some key takeaways from the SPIVA Scorecard for the year ending December 31, 2020. The SPIVA report looks at the performance of actively managed funds vs. their benchmarks. The results continue to demonstrate that investing in low-cost, transparent index funds/ETF's are a smart long-term move for investors. Links, Charts, and Show notes will be available on my blog this week at www.walhoutfinancial.ca/podacast Thanks for listening! Mark
9 minutes | Jun 18, 2021
How Can I Tax-Efficiently Withdraw Money from My Child's RESP?
Fingers crossed, universities and colleges will be opening their doors to students starting this fall. As parents and students are getting their planning underway, I have received some questions about RESP withdrawals. Specifically, what is the best way to tax-efficiently withdraw funds from an RESP account? In this episode I explain the different components of an RESP, how each of them are taxed, and a strategy for using up your student's low income tax brackets to make withdrawals from an RESP. Detailed blog and links will be available this week at www.walhoutfinancial.ca/podcast Thanks for listening, Mark
8 minutes | Jun 15, 2021
What Should I Do With Short Term Savings Right Now?
On today's episode we talk about options for short term savers right now. Interest rates are low right now. This is great for borrowers and people who own assets. But, for the person who is looking to save short term money, it's very challenging. I talk about 3 options for people who have short term money that they want to put to work and give my recommendations. Show notes and links will be on my website this week at www.walhoutfinancial.ca/podcast Thanks for listening! Mark
10 minutes | Jun 3, 2021
What Is Inflation and What Can You Do About It?
Today we talk about inflation, including: 1) What is inflation? 2) Is Inflation Good or Bad? 3) What is "Good Inflation"? 4) Why are people worried about inflation? 5) What does the market expect inflation to be? 6) What can you do about inflation? 7) What about Hyper-Inflation? 8) Action Items Links will be posted on my blog this week at www.walhoutfinancial.ca/podcast Thanks for listening, Mark
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