Today I spotlight an ETF that gives US exposure but hedges out the currency risk. It has a low MER of 0.09% and is a Canadian legal entity.This is not intended as advice or a solicitation of the investment. You should seek the help of a licensed professional prior to investing.

TK Dale Wealth Podcast

ETF Spotlight

These are the principals that I use to decide which debts to payoff first and keep a good credit score. It doesn't matter whether we are in Covid-19 times or not. Here's how I look at dealing with credit.tkdale.com

The Game Hasn't Changed: Managing Credit In Covid

How do you actually select investments? Well there are a couple of ways to arrive at the conclusion as to whether it should be bought... or shorted.Two of them are Top Down and Bottom Up investing.Top Down investing is the process of looking at a rising tide raises all ships.Bottom Up investing is the process of looking at the individual company first and then looking at how it fits in with the economy.In this episode I go over the data that I look for as well as where you can find this information on the internet.Please like, subscribe and share. Remember you can always find more of what I do at tkdale.com

Top Down vs Bottom Up Investing

In the previous episode I talked about what the first thing I would do right now.That's separating my stock and bond exposure.The next thing I want to focus on is the assets themselves. The stocks and bonds. In this episode I give out some of the ETF's that I'm using and why I'm in those investments.Listen on Apple Podcasts, Google Play, Spotify and Stitcher.This is also available on YouTube.tkdale.com/podcast

After Covid-19: Where I'm Investing Now-Pitfalls & Possibilities

If I'm going to bet on anyone, it's going to be me. I have the most control over my own outcomes.I can take a course, upgrade my skills, learn about marketing, sales, systems, family, relationships, fitness, nutrition.Learn anything but the point is to keep learning and growing always. Use these small stepping stones as points of success to build more success on.

1 Minute Motivation: Double Down on Yourself

Covid-19 aka Coronavirus has come and left a major impact on the world. The human and economic impact has been substantial.In this podcast and video I'm going to discuss what is the first thing I would do with my portfolio and how to make changes.In the next episode I will talk about where to invest and where I see the most opportunity: Pitfalls and PossibilitiesListen on Apple Podcasts, Google Play, Spotify and Stitcher.Also available on YouTube.tkdale.com/podcast

Covid Happened. What's the first thing I would do with my portfolio?

This month I am going to talk to you about the importance of obvious things. **Disclaimer: This post contains forward looking statements and I cannot guarantee that they will come true or the accuracy of them. This is not meant as individual advice and you should seek the help of a licensed professional prior to acting on this information***I talk about the importance of obvious things and would like to use the analogy of not being able to see the forest through the trees. There are so many news articles, data points and changes going on that it is difficult to sit back and take a look at the bigger movements, the bigger picture.Where is the obvious overpricing, where is the obvious underpricing and what do I not have a high level of conviction on are questions that I’m asking myself constantly.This helps me become clear, confident and certain over my decisions that I’m making.Let’s look at what seems most obvious to me today.Oil. Oil is the single most obvious underpriced asset that I can see today. Oil when I started to get excited about it was trading around $25.50 per barrel. This is the international crude, not the texas price you’re used to seeing in the news or the Canadian crude that sells for ridiculously cheap relative to both of these. The crude that I’m talking about is called Brent crude. Brent and West Texas oil react similarly but there are some differences.Why is $25.50 cheap and the single most obvious trade to me right now?It is cheap because it is STRUCTURALLY not functional. I am not aware of any country or company that can survive at these prices. Even Saudi Arabia that gets it out of the ground for around $9 per barrel cannot function at these levels as I’m told that their revenue required for their social spending programs is around $40 per barrel.There are two things going on.A price warLack of demandCheck out the rest of the episode to find out what I did with client portfolios.

Monthly: Most Obvious Trade - Oil

Have you considered changing HOW you live? The bigger house, the maintenance, the stress? Have you considered selling your luxury home and buying a luxury condo?With the proximity to the lifestyle you love and none of the maintenance it can be a beautiful move for many. I know people that have moved from having the house with the pool in Mississauga to a condo with a pool downtown Toronto. They were spending all their free time in the city at shows and events anyways so why not move closer to the things that they love?In this episode I talk about the lifestyle, financing and options for downsizing luxury homes.

Luxury Home Downsizing

In this episode I talk about the recent portfolio changes I made the week of February 24, 2020.I provide context around the thought framework, the news/data that I was seeing, the conclusion I made and the changes made in my client's portfolios.The article can be found in text at https://tkdale.com/2020/03/02/containment/Please subscribe on Apply Podcasts, Google Play, Spotify and Stitcher

Containment: Coronavirus and Portfolios

In this episode Trevor Dale, found of TK Dale Wealth Management, talks about the impact of the Coronavirus.He talks about the data that we have available, how to implement this new data and things to look out of when assimilating new information.Will this be a temporary event for the markets or something long term and how will we know?More can be found at tkdale.com

Coronavirus and Investment Portfolios

Using debt to invest is often labelled as absolutely wrong for most people.I'll have you consider that likely your largest investment was done using large amounts of leverage.If you put $100,000 on a $700,000 house then you are 7 times leveraged.The reason that you are likely okay with this is because you won't be selling until the debt (mortgage) is paid off... likely in retirement.While I don't recommend borrowing to invest for many people I outline circumstances under which you may want to consider it.I also outline a method that seems less risky but still uses debt to invest and then using the income to pay down your mortgage.This podcast is 13 minutes long so be sure to subscribe on Google Play, Apple Podcast, Spotify and Stitcher.Of course you can always find us at http://tkdale.com/podcastEmail us if you have questions at info@tkdale.com

Using Debt to Invest

When is the right time to start investing in RRSP's?NOW.Make sure that you start the process immediately.If you don't have time and you're looking to invest DO THIS ONE THING TODAY:Send an email to your current advisor or an advisor that you would like to work with.Tell them1. I want to make an RRSP deposit.2. I don't have time today but can you contact me on X date to make arrangements?That's it. Be sure to start the process today.I go over the March 2, 2020 deadline to make a contribution for your 2019 taxes.I also talk about where to invest.This podcast is 7 minutes long so be sure to subscribe on Google Play, Apple Podcast, Spotify and Stitcher. Of course you can always find us at tkdale.com/podcastEmail us if you have questions at info@tkdale.com

When to Invest in RRSP's

As the new year is around the corner, I thought it would be helpful to talk about where I'm investing in 2020 and how I'm positioning my clients' portfolios.I thought it would be helpful to give:Two examples of investmentsEconomic rationaleExamining individual stocks vs diversified investmentsDifferent markets and countries for opportunities around the worldWhere I see things going in 2020 and beyondWe are more than 10 years into the current bull market and there have definitely been some excess buildups that have been created as a result of the ultra low and unprecedented interest rates.We have negative interest rates in some countries and in 2019 we even saw a negative interest rate mortgage being issued in Europe.While there are risks out there, I also see some very positive places to invest.Listen to this podcast and don't forget to subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.To learn more go to tkdale.com

Where I'm Investing in 2020

Trevor, my mortgage is renewing, can you help me out?Sure, but most of the time I recommend that they renew with their current lender... only after going through the checklist and making sure that everything else is lined up.Here's 8 minutes on mortgage renewals and your options.Ask for your free consultation.Don't forget to check out tkdale.com/podcast and subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.Please also leave a rating, it means the world to me!

Mortgage Renewals

RRSP season is coming and YES, I'm earlier than everyone else. NOW is the time to start thinking about it. Actually all year long is.In this 15 minute episode I talk about contingency planning and how it factors into your RRSP investments.I also leave you with the single greatest factor in creating wealth.Don't forget to check out tkdale.com and subscribe on Apple Podcasts, Google Podcasts, Spotify and Stitcher.Please also leave a rating, it means the world to me!

RRSP Season is Coming!

Trevor Dale, CFA from TK Dale Wealth Management brings you The TK Dale Wealth Podcast where he discusses all things money and wealth such as real estate, investing, insurance, debt, estate planning and financial planning. Get upclose interviews with and special insights into the world of money and wealth. Trevor has a unique perspective because he runs a portfolio management company where he is portfolio manager, life insurance broker and also a mortgage agent through iBridge Capital #13506. Very rarely is this level of expertise brought across all three areas at the same time.

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TK Dale Wealth Podcast

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