Ever wish you could capture stock market gains without the risk of losing your hard-earned money? It might sound too good to be true, but a class of investments known as Structured Products aims to do just that.
In this episode of Money Talks, Rita is joined by financial professional Jonathan Cartier to demystify the world of structured products for the everyday Canadian investor. We break down the complex jargon into simple, actionable insights, exploring how these financially engineered tools can offer principal protection, enhanced yield, and unique market exposure.
This is a must-listen for beginner investors looking for safer ways to enter the Canadian stock market and an essential study guide for anyone preparing for the Canadian Securities Course (CSC) exam.
➡️ Get your FREE concise study guide and 20% OFF the full bundle at Mtalks.ca!
Download your FREE CSC Study Guide: https://www.Mtalks.ca
Get the Full CSC Study Package: https://www.Mtalks.ca/study-package
Episode Timeline & Key Topics:
(00:00) Welcome to Money Talks & How to Ace Your CSC Exam
(01:15) What Are Structured Products? The Simple Explanation
(02:05) The Key Advantages: Diversification, Access, and Principal Protection
(02:45) The Hidden Downsides: Complexity, Illiquidity, and High Fees
(03:30) Deep Dive: Principal-Protected Notes (PPNs) Explained
(04:22) The "Zero-Coupon Bond + Option" Structure: How PPNs Actually Work
(05:18) Why You Don't Get 100% of the Market Return: Participation Rates & Caps
(06:10) PPNs vs. Market-Linked GICs: The Critical Difference (CDIC Insurance)
(07:35) Understanding Split Shares: One Stock, Two Ways to Invest (Income vs. Growth)
(08:41) The Power of Leverage in Capital Shares (and the Big Risk)
(10:05) Asset-Backed Securities (ABS) & The Securitization Process
(11:10) Mortgage-Backed Securities (MBS) in Canada: The CMHC Guarantee
(12:04) Prepayment Risk: The #1 Risk for MBS Investors You Need to Understand
(13:00) The Single Most Important Question to Ask Before Buying a Structured Product
You can listen to this episode on :
Apple Podcasts Link: https://podcasts.apple.com/ca/podcast/money-talks-your-guide-to-the-canadian-securities/id1828548549
Spotify Link: https://open.spotify.com/show/2FkGdY1vJxjnUeUzXEpVDI?si=7c8ffe74842342ba
YouTube:
Link: https://youtu.be/FZm-2dKcmBU?si=9CORewOvs_FV_NGY
Keywords/Tags: Canadian investing, structured products, principal-protected notes, PPN, market-linked GIC, mortgage-backed securities, MBS, split shares, asset-backed securities, Canadian stock market, TSX, beginner investing, finance Canada, safe investments, high yield, financial literacy, Canadian Securities Course, CSC exam prep, wealth management.
Ready to grow your portfolio beyond the usual mutual funds and ETFs? The Canadian stock market (TSX) offers powerful investment tools that many beginners overlook. In this episode of Money Talks, we demystify the world of alternative managed products to give you an edge in your financial journey and your Canadian Securities Course (CSC) studies.
Financial professional Jonathan Cartier joins us to break down complex investments into simple, actionable concepts. We explore Segregated Funds, explaining how their insurance structure provides maturity guarantees and creditor protection. Discover Real Estate Investment Trusts (REITs) and learn how to become a fractional landlord, earning income from Canada's top properties. We also dissect Closed-End Funds, LSVCCs (and their valuable tax credits), and give you a look inside the high-stakes world of Private Equity.
➡️ Get your FREE concise study guide and 20% OFF the full bundle at Mtalks.ca!
Download your FREE CSC Study Guide: https://www.Mtalks.ca
Get the Full CSC Study Package: https://www.Mtalks.ca/study-package
(For YouTube & Blog Post - Add Timestamps)
⏰ Topics Covered:
00:00 - Rita’s story: Overcoming the CSC exam struggle.
02:15 - Introduction: Investing Beyond Mutual Funds.
04:30 - What are Segregated Funds? (Maturity Guarantees, Death Benefits, Creditor Protection).
10:10 - Closed-End Funds Explained (Trading at a discount vs. NAV).
13:45 - How to Invest in Real Estate with REITs in Canada.
17:00 - Mid-Show Break
17:30 - LSVCCs: High-Risk Investing for Big Tax Credits.
21:00 - Private Equity: How Retail Investors Can Get Access.
24:15 - Key Takeaway: Matching the Right Investment to Your Financial Goals.
You can listen to this episode on :
Apple Podcasts Link: https://podcasts.apple.com/ca/podcast/money-talks-your-guide-to-the-canadian-securities/id1828548549
Spotify Link: https://open.spotify.com/show/2FkGdY1vJxjnUeUzXEpVDI?si=7c8ffe74842342ba
YouTube:
Link: https://youtu.be/FZm-2dKcmBU?si=9CORewOvs_FV_NGY
Keywords: Canadian investing, Canadian stock market, TSX, beginner investing, financial podcast, segregated funds, REITs Canada, private equity, closed-end funds, LSVCC, Canadian Securities Course, CSC exam, wealth management Canada, diversify portfolio, finance basics.
Struggling with Alternative Investment Strategies and Performance for your CSC exam? You're not alone. This complex topic is crucial for success, and in this episode of Money Talks, we make it simple. Financial professional Jonathan Cartier breaks down everything you need to know about CSC Chapter 19.
This isn't just theory—it's a practical guide with real-world Canadian examples to help you understand, remember, and apply these concepts on exam day.
Episode Guide & Timestamps:
(00:00) Introduction & Big News: The launch of Mtalks.ca!
(01:15) Canadian Market Update: Why the TSX is booming.
(02:05) What Are Alternative Investments? The "carpenter's toolbox" analogy.
(02:45) Strategy 1: Relative Value Strategies
(03:10) Equity Market-Neutral Explained (RBC vs. TD Example)
(04:30) Convertible Arbitrage
(05:20) Strategy 2: Event-Driven Strategies
(05:45) Merger Arbitrage Explained
(06:50) Distressed Securities
(07:35) Strategy 3: Directional Strategies
(08:00) Long/Short Equity Funds
(08:45) Global Macro Strategies
(09:20) Mid-Episode Break & How to Subscribe
(09:55) How to Measure Performance (Crucial for the CSC Exam)
(10:10) The Sharpe Ratio: Risk-Adjusted Returns
(11:05) Maximum Drawdown & Time to Recovery
(11:45) Understanding Skew and Kurtosis
(12:30) Due Diligence & Suitability: Key questions you'll be tested on.
(14:10) Who Are Liquid Alts Best For? A summary for investors and students.
(15:00) Your Exclusive Offer from Mtalks.ca
This episode is essential listening for anyone studying for the Canadian Securities Course (CSC) exam or seeking to advance their financial education and career in Canada.
Conquer your CSC Exam:
Ready to pass with confidence? Visit our new website at Mtalks.ca for clear study guides, mock exams, and chapter quizzes.
➡️ Get your FREE concise study guide and 20% OFF the full bundle at Mtalks.ca!
You can listen to this episode on :
Apple Podcasts Link: https://podcasts.apple.com/ca/podcast/money-talks-your-guide-to-the-canadian-securities/id1828548549
Spotify Link: https://open.spotify.com/show/2FkGdY1vJxjnUeUzXEpVDI?si=7c8ffe74842342ba
YouTube:
Link: https://youtu.be/FZm-2dKcmBU?si=9CORewOvs_FV_NGY
Keywords: Alternative Investment Strategies, CSC Exam, Canadian Securities Course, Investment Performance, CSC Chapter 19, Sharpe Ratio, Due Diligence, Long/Short Equity, Arbitrage Strategies, Financial Education Canada, TSX, Investing Canada, Liquid Alts, Risk Management, Finance Career Canada
Stuck on Chapter 20 of the Canadian Securities Course? Confused by terms like "liquid alts," "absolute return," and "high-water mark"? In this game-changing episode of Money Talks, we demystify the complex world of Alternative Investments.
Financial professional Jonathan Cartier joins us to break down everything you need to know, whether you're a retail investor looking to diversify beyond the TSX or a student preparing to ace your CSC or upcoming CIRO exam. We go beyond theory with real-world examples from Canadian firms like Onex and major banks (RBC, BMO, CIBC, TD), explaining how these strategies perform in today's "reset mode" economy.
This isn't just another lecture—it's an immersive, conversational guide to mastering one of the most challenging topics in Canadian finance.
Timestamps:
(0:00) - Welcome & Canadian Market Outlook for 2025
(2:15) - What Are Alternative Investments? (The "Spices" Analogy)
(4:30) - The 3 Main Benefits: Diversification, Adding Alpha & Absolute Returns
(7:00) - Building an Absolute Return Portfolio: A Practical Guide
(9:15) - Liquid Alts Explained: Hedge Fund Strategies for Retail Investors (RBC, Fidelity examples)
(11:45) - What is a Fund of Hedge Funds (FoHF)?
(13:30) - High-Water Mark Explained with a Simple Example
(15:10) - The #1 "Risk Without Reward": Understanding Operational Risk
(17:00) - Exciting Announcement: The New Money Talks Website is Coming!
You can listen to this episode on :
Apple Podcasts Link: https://podcasts.apple.com/ca/podcast/money-talks-your-guide-to-the-canadian-securities/id1828548549
Spotify Link: https://open.spotify.com/show/2FkGdY1vJxjnUeUzXEpVDI?si=7c8ffe74842342ba
YouTube:
Link: https://youtu.be/FZm-2dKcmBU?si=9CORewOvs_FV_NGY
Keywords/Tags: Alternative Investments, CSC Exam, CIRO Exam, Hedge Funds, Liquid Alts, Absolute Return, Canadian Investing, TSX, Portfolio Diversification, RBC, BMO, TD, Financial Podcast Canada, CFA, Wealth Management
Are you confused by terms like ETFs, index funds, and MERs? Want to start investing on the Canadian stock market but don't know where to begin? This is the episode for you.
In this chapter of Money Talks, Rita is joined by financial professional Jonathan Cartier to demystify one of the most powerful investment tools available today: Exchange-Traded Funds (ETFs). Forget the confusing jargon; Jonathan breaks it all down with a simple "fruit basket" analogy that will change the way you see investing.
Whether you're a complete beginner, studying for your CSC Exam (Canadian Securities Course) or CIRO Exam, or an experienced investor looking to optimize your portfolio, this episode is packed with actionable insights for the Canadian market.
In this episode, you will learn:
What is an ETF? (A simple, clear explanation for beginners)
How ETFs Work in Canada: The "in-kind exchange" process that makes them low-cost.
Types of ETFs: From standard index funds (like those tracking the TSX) to Active, Covered Call, and "Smart Beta" ETFs.
ETFs vs. Mutual Funds: A direct comparison of costs, transparency, tax efficiency, and trading.
Top Canadian Examples: Learn about famously traded ETFs in Canada and the USA.
Building a Portfolio: How to use the "Core and Satellite" strategy to build a diversified, long-term portfolio.
Risks to Watch Out For: Understanding tracking error, concentration risk, and more.
This episode provides critical financial education that aligns with the Canadian Securities Course (CSC) curriculum, making it essential listening for anyone serious about their financial career or personal investing journey in Canada.
You can listen to this episode on :
Apple Podcasts Link: https://podcasts.apple.com/ca/podcast/money-talks-your-guide-to-the-canadian-securities/id1828548549
Spotify Link: https://open.spotify.com/show/2FkGdY1vJxjnUeUzXEpVDI?si=7c8ffe74842342ba
YouTube:
Link: https://youtu.be/FZm-2dKcmBU?si=9CORewOvs_FV_NGY
Key words: ETF, Canada, Investing, Finance, TSX, CSC, CIRO, Canadian Securities Course, Stocks, Bonds, Wealth Management, Beginner Investor, Passive Investing, CSC Exam, CIRO Exam, Canadian Securities Course, Chapter 18 CSC, ETFs CSC, NI 81-102, NI 81-104, designated broker, in-kind exchange, tracking error, ETF Facts, financial advisor Canada, CSI, Canadian Securities Institute, investment advisor training, wealth management Canada, BMO, RBC, Bell, Horizon, iShare
In this episode of Money Talks, host Rita and financial expert Jonathan Cartier demystify the core concepts of mutual fund investing in Canada. We break down the different types of funds available on the TSX and beyond—from the ultra-safe Money Market Funds to the growth-oriented Equity Funds. Jonathan provides clear analogies and simple explanations to help you understand where your money is going and what level of risk you're taking on.
Are you preparing for the Canadian Securities Course (CSC) exam or seeking a practical refresher for your role as a CIRO-licensed advisor? This episode of Money Talks is your essential audio companion for mastering the complexities of mutual funds in Canada.
In this episode, you will learn:
What are the main types of mutual funds in Canada? (Money Market, Fixed-Income, Balanced, Equity, Specialty, and Target-Date Funds).
The key difference between Active vs. Passive investing strategies.
How to match a mutual fund type to your personal financial goals, timeline, and risk tolerance.
Simple analogies to visualize how different funds work within your investment portfolio.
The foundational knowledge you need to start your beginner investing journey with confidence.
Connect with Us & Support the Show:
Subscribe & Share: If you find this guide helpful, please subscribe and share it with a friend!
Leave a Review: Your feedback helps us reach more listeners.
You can listen to this episode on :
Apple Podcasts Link: https://podcasts.apple.com/ca/podcast/money-talks-your-guide-to-the-canadian-securities/id1828548549
Spotify Link: https://open.spotify.com/show/2FkGdY1vJxjnUeUzXEpVDI?si=7c8ffe74842342ba
YouTube:
Link: https://youtu.be/FZm-2dKcmBU?si=9CORewOvs_FV_NGY
Canadian Securities Course, CSC exam, CSC study guide, CSI, Canadian Securities Institute, CIRO, financial advisor training, investment advisor Canada, continuing education finance, CSC Chapter 16, CIFSC, fund management styles, suitability, KYC, Canadian mutual funds, asset allocation, portfolio management, IIROC, MFDA.
Ever wondered what a mutual fund really is? In this essential episode of Money Talks, we demystify one of Canada's most popular investment vehicles. If you're starting your journey in the Canadian stock market or studying for your securities course, this is your ultimate guide.
Financial professional Jonathan Cartier joins Rita to break down the complex world of mutual funds into simple, powerful analogies. Forget the jargon—we're talking potlucks and community gardens to explain how your money is managed. This is beginner investing 101, tailored for Canadians.
In this episode, you will learn:
(01:15) What are Managed Products? Active vs. Passive Investing explained.
(03:30) The Key Advantages: Professional Management, Diversification, and Economies of Scale.
(05:10) How Mutual Funds are Structured in Canada (The Open-End Trust Model).
(07:20) The 3 Key Players: Who is the Fund Manager, Custodian, and Distributor?
(09:00) The Fund Facts Document: Your "Nutritional Label" for Investing.
(10:45) The "Know Your Client" (KYC) Rule: Why It's the Most Important Rule for Investor Protection.
(12:10) Understanding Costs: What is the Management Expense Ratio (MER) and How Does it Affect Your Returns?
This episode provides critical financial education for anyone looking to invest smarter in the TSX. Don't just own your investments—understand them.
Connect & Learn More:
Subscribe to Money Talks on Spotify, Apple Podcasts, and YouTube.
Leave us a review if you found this episode helpful!
For a full transcript and resources, visit [YourWebsite.com/S2E16]
In this essential episode of Money Talks, host Rita welcomes back financial professional Jonathan Cartier to demystify the Portfolio Management Process. Forget complex jargon; Jonathan breaks down the seven foundational steps every Canadian investor should master. Using real-world examples from companies on the TSX, he explains how to build a portfolio tailored to your unique life goals, whether you're saving for a home, planning for retirement, or just starting your investment journey. This is the ultimate guide for beginner investing in Canada and a must-listen for anyone studying for the Canadian Securities Course (CSC).
[02:35] The Portfolio Approach: Why your portfolio's total risk is less than the sum of its parts.
[04:10] Step 1: Investment Objectives & Constraints: How to define your goals (Safety, Income, or Growth) and personal investment rules.
[08:50] Step 2: The Investment Policy Statement (IPS): What this critical "blueprint" document is and why you need one.
[11:15] Step 3: Mastering Your Asset Mix: The single most important decision you'll make, balancing cash, fixed income, and equities.
[14:00] Strategic vs. Tactical Asset Allocation: The difference between your long-term plan and short-term market opportunities.
[18:20] The Final Steps: How professionals select securities, monitor the market, evaluate performance (including the Sharpe Ratio), and strategically rebalance.
Connect with Us & Support the Show:
Subscribe & Share: If you find this guide helpful, please subscribe and share it with a friend!
Leave a Review: Your feedback helps us reach more listeners.
You can listen to this episode on :
Apple Podcasts Link: https://podcasts.apple.com/ca/podcast/money-talks-your-guide-to-the-canadian-securities/id1828548549
Spotify Link : https://open.spotify.com/show/2FkGdY1vJxjnUeUzXEpVDI?si=7c8ffe74842342ba
YouTube Link: https://youtu.be/FZm-2dKcmBU?si=9CORewOvs_FV_NGY
#InvestingForBeginners #CanadianInvestor #TSX #PortfolioManagement #Diversification #StockMarketCanada #FinancialLiteracy #Securities #CIRO #CSCExam #CIRExam
Tired of the stress of picking individual stocks? In this essential episode of Money Talks, we break down the single most important concept for long-term investing success: the portfolio approach.
Financial expert Veeral Kotak joins us to demystify diversification and explain why building a resilient "team" of investments is smarter than betting on a single superstar stock. This is the foundational knowledge every Canadian investor needs, whether you're just starting with your TFSA or managing a larger RRSP.
In this episode, you will learn:
(01:15) What is Diversification? The simple hockey team analogy that makes it all click.
(03:30) Risk vs. Return: Understanding the fundamental trade-off in the Canadian stock market.
(05:10) The Two Types of Risk You MUST Know: How to protect yourself from "boat engine" failure (Non-Systematic Risk) even when you can't control the "weather" (Systematic Risk).
(07:45) The Power of Correlation: Why owning an airline and a bus company stock can be a genius move.
(09:20) Active vs. Passive Investing: Are you a "city bus" (index fund) or a "race car" (active manager) investor?
(11:00) Growth vs. Value Styles: Uncover which management style fits your financial goals.
This episode is a must-listen for anyone studying for their securities license or any beginner investor looking to build a smart, durable portfolio on the TSX.
Connect with Us & Support the Show:
Subscribe & Share: If you find this guide helpful, please subscribe and share it with a friend!
Leave a Review: Your feedback helps us reach more listeners.
You can listen to this episode on :
Apple Podcasts Link: https://podcasts.apple.com/ca/podcast/money-talks-your-guide-to-the-canadian-securities/id1828548549
Spotify Link : https://open.spotify.com/show/2FkGdY1vJxjnUeUzXEpVDI?si=7c8ffe74842342ba
YouTube Link: https://youtu.be/FZm-2dKcmBU?si=9CORewOvs_FV_NGY
#InvestingForBeginners #CanadianInvestor #TSX #PortfolioManagement #Diversification #StockMarketCanada #FinancialLiteracy #Securities #CIRO #CSCExam #CIRExam
What's the real secret to picking great stocks? It's not about hype—it's about knowing the numbers. This episode is your masterclass in Company Analysis, designed to help you confidently evaluate any stock on the Canadian Stock Market (TSX).
Financial professional Veeral Kotak returns to break down the most important financial ratios and statements in a simple, conversational way. We cut through the jargon to help you understand what really matters when you're considering an investment, using real-world examples from Canadian giants like RBC, Lululemon, and Shopify.
Plus, we tackle the breaking news in Canadian finance: Fitch Learning's acquisition of the Canadian Securities Institute (CSI). Veeral shares his expert opinion on how this will impact the banking industry and future finance professionals studying for their CIRO exams.
In this episode, you will learn:
(02:15) The Fitch & CSI Acquisition: What it means for Canadian finance education.
(06:40) What is Company Analysis? A simple analogy for beginner investors.
(11:10) How to read financial statements (Income Statement & Balance Sheet).
(15:30) The 4 Key Types of Financial Ratios: Liquidity, Risk, Performance & Value.
(19:00) Understanding the P/E Ratio: Is a stock cheap or expensive?
(23:50) A framework for telling the "story behind the numbers" for any TSX stock.
Connect with Us & Support the Show:
Subscribe: Don't miss an episode!
Apple Podcasts Link: https://podcasts.apple.com/ca/podcast/money-talks-your-guide-to-the-canadian-securities/id1828548549
Spotify Link : https://open.spotify.com/show/2FkGdY1vJxjnUeUzXEpVDI?si=7c8ffe74842342ba
YouTube Link: https://youtu.be/FZm-2dKcmBU?si=9CORewOvs_FV_NGY
Share: If you found this episode valuable, share it on social media or with a friend!
Discuss: Join the conversation on Reddit in communities like r/CSCexamCanada, r/PersonalFinanceCanada and r/CanadianInvestor.
#CIRO #CSIExam#Investing #CompanyAnalysis #CanadianStockMarket #TSX #StockMarket #Finance #BeginnerInvesting #CSI #CIROExam
Ever wonder how professional investors decide which stocks to buy and, just as importantly, when? In this episode of Money Talks, we demystify the two core pillars of stock analysis: Fundamental and Technical Analysis.
Financial professional Veeral Kotak joins us to break down these complex topics into a simple, actionable guide for beginner and intermediate investors in the Canadian stock market. Whether you're looking at blue-chip TSX giants or emerging growth stocks, understanding these methods is non-negotiable for making informed decisions.
In this episode, you will learn:
Fundamental vs. Technical Analysis: A clear, simple explanation of the core differences and why you should care.
The Detective vs. The Meteorologist: A powerful analogy to remember how each analysis method works.
Macroeconomic Factors: How fiscal policy, monetary policy (Bank of Canada interest rates), and inflation impact your portfolio.
Industry Analysis: Identifying cyclical, defensive (blue-chip), and emerging growth industries in Canada.
Reading the Charts: An introduction to key technical analysis tools like support & resistance, head-and-shoulders patterns, and moving averages.
The Million-Dollar Question: Should you use one method or the other? We reveal how the pros combine both for a powerful investing strategy ("what to buy" vs. "when to buy").
This episode is essential listening for anyone pursuing securities education or simply looking to build a smarter, more strategic investment portfolio.
Connect with Us & Support the Show:
Subscribe: Don't miss an episode!
Apple Podcasts Link: https://podcasts.apple.com/ca/podcast/money-talks-your-guide-to-the-canadian-securities/id1828548549
Spotify Link : https://open.spotify.com/show/2FkGdY1vJxjnUeUzXEpVDI?si=7c8ffe74842342ba
YouTube Link: https://youtu.be/FZm-2dKcmBU?si=9CORewOvs_FV_NGY
Share: If you found this episode valuable, share it on social media or with a friend!
Discuss: Join the conversation on Reddit in communities like r/CSCexamCanada, r/PersonalFinanceCanada and r/CanadianInvestor.
Keywords: investing for beginners, fundamental analysis, technical analysis, stock market Canada, Canadian stock market, TSX, how to analyze stocks, stock charts explained, company valuation, securities education, finance podcast, blue-chip stocks, cyclical stocks, investment strategies, Bank of Canada, financial analysis.
Ever wonder how a company gets its stock listed on the Toronto Stock Exchange (TSX)? What really happens during an Initial Public Offering (IPO), and how can you, as an investor, understand the process? In this season finale of Money Talks, we demystify the complex world of financing and listing securities on the Canadian stock market.
Join host Rita and seasoned financial professional Julia Paterson as they break down the entire journey a company takes to go public. This episode is essential listening for anyone pursuing securities education or looking to deepen their understanding of how capital markets truly function.
In this episode, you will learn:
The IPO Process Unlocked: A step-by-step guide to how companies raise capital and go public.
Debt vs. Equity Financing: The critical differences and why a company chooses one over the other.
The Prospectus Explained: How to read this vital document—the official "user manual" for a new stock.
Underwriting & "Bought Deals": The role investment dealers play and the risks they take.
Listing on the TSX: The advantages, disadvantages, and requirements for trading on Canada's biggest exchange.
After-Market Stability: The secret behind the "Greenshoe Option" and how it supports a new stock's price.
This is a must-listen for beginner investors, finance students, and anyone curious about the mechanics of the Canadian stock market.
Follow Money Talks:
Subscribe on Spotify, Apple Podcasts, and YouTube!
Website: [YourWebsite.com]
Socials: @YourMoneyTalksHandle
Key Topics & Timestamps (For YouTube & Spotify Chapters):
(00:00) Intro: Why Understanding Corporate Financing Matters
(01:45) What is Financing? Government vs. Corporate
(03:30) The Role of the Investment Dealer & Due Diligence
(05:10) IPO Explained: A Beginner's Guide to Going Public
(07:00) The Prospectus: Your Rulebook for a New Stock
(09:15) Underwriting: Best Efforts vs. a "Bought Deal"
(11:00) Listing on the TSX: Prestige, Costs & Transparency
(12:45) The "Greenshoe Option": A Clever Tool for Price Stability
(14:30) Delisting: When a Stock Gets Kicked Off the Exchange
(15:50) Season 1 Finale & What's Coming in Season 2!
Tags/Keywords:
Canadian stock market, investing for beginners, TSX, IPO, initial public offering, corporate finance, how to invest, securities education, finance podcast, Canadian securities course, what is a prospectus, underwriting, stock listing, money talks podcast, personal finance canada, investing 101
Are you ready to stop guessing and start making informed investment decisions in the Canadian stock market? Financial statements can seem intimidating, but they are the single most powerful tool for understanding a company's true health. In this episode of Money Talks, we welcome financial professional Julia Paterson, who demystifies the world of corporate finance for the beginner investor.
Learn how to read a company's "report card" by mastering the three key financial statements. This episode is essential listening for anyone investing in the TSX and a must-have study guide for students preparing for the Canadian Securities Course (CSC) exam and the new C.I.R.O. (CIRE) exam starting in 2026.
In this episode, you will learn:
(01:15) The core differences between a sole proprietorship, partnership, and corporation.
(04:30) The Statement of Financial Position: Understanding Assets, Liabilities, and Equity.
(08:10) The Statement of Comprehensive Income: How to track revenue, expenses, and a company's real profit.
(11:05) The Statement of Cash Flows: Why cash is king and how to trace its movement.
(14:00) The importance of the Auditor's Report and Notes to the Financial Statements.
(15:20) How disclosure rules, takeover bids, and insider trading regulations protect Canadian investors.
Subscribe to Money Talks for your weekly dose of financial literacy and expert investing insights. Find this helpful? Please leave us a review and share it with a friend!
#CanadianInvesting #StockMarket #Finance #InvestingForBeginners #CSCExam #CIRE #TSX #FinancialLiteracy #PersonalFinanceCanada #HowToInvest
<p>Ever felt intimidated by terms like "margin," "short selling," or "stop-loss orders"? You're not alone! In this episode of <b>Money Talks</b>, Rita is joined by financial professional Alexis Goldbloom to demystify the world of equity transactions.</p><p>Join us for a laid-back and insightful chat that breaks down how buying and selling stocks actually works behind the scenes. Whether you're a new investor or just looking to sharpen your knowledge, this episode is packed with clear explanations and practical examples.</p><p><b>In this episode, you'll learn about:</b></p><ul><li>The crucial difference between a <b>Cash Account</b> and a <b>Margin Account</b>.</li><li>Buying on margin: Understanding leverage, <b>margin calls</b>, and how to manage risk.</li><li><b>Short Selling</b>: How to potentially profit from a stock's decline and the major risks involved.</li><li>Placing the right trade: A clear breakdown of <b>Market Orders</b>, <b>Limit Orders</b>, and <b>Stop-Loss Orders</b>.</li><li>Real-world examples that make these complex concepts easy to understand.</li></ul><p>We love hearing from you! Share your thoughts or questions in the comments section, and don't forget to follow, rate, and share our podcast if you're finding it helpful. Your support keeps the conversation going!</p><p>---</p><p><em>Disclaimer: The content in this podcast is for informational purposes only and should not be considered financial advice. Always consult with a qualified financial professional before making any investment decisions.</em></p>
Show Notes:
(01:30) - Cash Accounts vs. Margin Accounts
(05:15) - Example: How a Long Margin Position Works
(09:40) - The Risks of a Margin Call
(12:00) - Short Selling Explained with an Example
Ready to demystify one of the most intriguing, yet often misunderstood, corners of the Canadian financial market? In this deep-dive episode of Money Talks: Your Guide to the Canadian Securities, your knowledgeable host Rita and financial expert Alexis Goldbloom tackle the powerful world of derivatives!
We kick off by defining what derivatives are – financial contracts whose value is derived from an underlying asset. Crucially, we unpack the vital distinction between using derivatives for hedging (risk management, like insurance for a gold miner or farmer) versus speculation (betting on market direction).
Alexis will guide you through the primary types of derivatives traded in Canada:
Options: Breaking down call options and put options, understanding strike price, premium, and how to use them to limit risk or generate income.
Forwards & Futures: Learn the mutual obligations of these contracts, the role of the Montréal Exchange (Canada's hub for futures trading), marking to market, and the powerful leverage they offer.
Rights & Warrants: Discover these company-issued derivatives often used for capital raising, offering unique exposure to TSX stocks.
We explain the crucial differences between Over-the-Counter (OTC) derivatives (customized, private) and Exchange-Traded derivatives (standardized, regulated by the Canadian Derivatives Clearing Corporation - CDCC, offering high liquidity and minimal default risk). This episode uses real Canadian examples and accessible metaphors to make complex topics relatable.
This episode is essential for beginner investors looking to expand their securities education and for seasoned investors wanting to refine their risk management or portfolio strategies. Whether you're exploring advanced investing concepts for your RRSP or TFSA, or just curious about how global markets manage currency risk or commodity prices, Money Talks is your comprehensive guide to investing smarter in Canada!
Ready to understand the real power of equity investing in the Canadian stock market? In this insightful episode of Money Talks: Your Guide to the Canadian Securities, your knowledgeable host Rita and financial expert Alexis Goldbloom pull back the curtain on Common Shares and Preferred Shares!
Discover what it truly means to be an owner of a public company, understanding the benefits and risks of common share ownership including voting rights, capital appreciation, and dividend income. We’ll demystify corporate actions like stock splits and consolidations, showing how they impact your holdings without changing your overall investment value.
Then, dive into the fascinating world of Preferred Shares – the equity-bond hybrids! Learn their unique features, from fixed dividends and asset preference to complex types like fixed-rate perpetual, floating-rate, and fixed-reset preferred shares. Alexis will break down the crucial risks of preferred shares for investors, including interest rate risk, call risk, and liquidity risk.
Plus, we explore a fantastic Canadian investing innovation: Canadian Depositary Receipts (CDRs), offering you access to major U.S. and global companies in Canadian dollars with a built-in currency hedge. Finally, we'll summarize the important Canadian stock market indexes like the S&P/TSX Composite and S&P/TSX 60, crucial for measuring market performance and building Canadian ETFs.
This episode is essential for beginner investors and seasoned pros alike, aiming to boost your securities education and financial literacy. Whether you're optimizing your RRSP or TFSA strategies, or just keen to understand market regulations and how companies raise capital beyond IPOs, Money Talks is your expert guide to investing smarter in Canada!
Key Takeaways:
[01:30] The essence of Common Shares: Ownership, benefits, and risks for investors
[04:00] Understanding Stock Splits & Consolidations (and how they affect your portfolio)
[07:15] Introduction to Preferred Shares: A hybrid investment with unique features
[09:40] Deeper dive into Preferred Share types: Fixed-rate, floating-rate, and fixed-reset preferreds
[13:50] Why companies issue preferred shares & why investors buy them (yield, tax benefits, diversification)
[16:20] Key risks of preferred share investing (interest rate, credit, call, liquidity)
[19:00] Exploring Canadian Depositary Receipts (CDRs): Global stocks in CAD with a currency hedge
[22:00] The role of Canadian stock market indexes (S&P/TSX Composite, S&P/TSX 60)
Ever wondered what truly makes bond prices move? In this essential episode of Money Talks: Your Guide to the Canadian Securities, join your friendly host Rita and financial pro Alexis Goldbloom as he demystify the pricing and trading of fixed-income securities in the Canadian market!
We break down core concepts like present value and discount rates, explaining how they determine a bond's fair price. Discover the critical differences between current yield and yield to maturity (YTM), and learn about reinvestment risk when managing your Canadian bond portfolio.
Unpack the powerful influence of interest rates on bond prices – understanding their inverse relationship is key to smart debt investing. We’ll explain the yield curve and delve into the theories that shape it (expectations, liquidity preference, and market segmentation), giving you a pulse on market sentiment for Canadian interest rates.
Learn how a bond's maturity and coupon rate impact its price volatility, and understand the crucial role of duration as a measure of bond risk. Plus, get an exclusive look behind the scenes of bond market trading – from the 'sell side' and 'buy side' players, to the function of inter-dealer brokers and the mechanics of a trade ticket. We also clarify confusing terms like accrued interest and discuss the importance of Canadian bond indexes like the FTSE Canada Universe Bond Index for measuring performance and building Canadian ETFs.
This episode is packed with real Canadian examples and accessible metaphors, designed to empower every beginner investor and enhance your overall securities education. Whether you're planning your RRSP or TFSA strategies, understanding bond market regulations, or just boosting your financial literacy, Money Talks is your go-to guide.
Key Takeaways:
[01:30] Understanding Present Value (PV) & Discount Rates for bond pricing
[04:00] Breaking down Current Yield vs. Yield to Maturity (YTM) & reinvestment risk
[07:15] The inverse relationship between bond prices and interest rates explained
[09:40] Decoding the Yield Curve & what it tells you about Canadian interest rates
[13:50] How maturity, coupon, and duration impact bond price volatility
[16:20] The Canadian bond market trading landscape: sell side, buy side, inter-dealer brokers
[19:00] Mechanics of a bond trade: trade tickets, settlement, and accrued interest
[22:00] The role of Canadian bond indexes (e.g., FTSE Canada Universe Bond Index) in portfolio management
Money Talks: Your Guide to the Canadian Securities – Your definitive resource for navigating Canadian investing with confidence. Subscribe now and trade smarter!
