The Complete Canadian Investment Guide for Beginners (2026)

Here's my FREE Newsletter -https://cpa-money-mentor.kit.com/9d9f...

This is the most comprehensive investing guide I've created for Canadians who are ready to start building wealth but aren't sure where to begin.

Whether you're 25 or 55, this video covers everything you need to know about investing in Canada—from understanding why cash loses value over time, to choosing between stocks and bonds, to building a simple portfolio using low-cost index funds.

I'll show you why 90% of actively managed funds underperform, how a 1.8% fee difference costs you $240,000 over 30 years, and why the simplest investment strategy often beats the most complex one. Most importantly, I'll give you a step-by-step action plan to get started today.

By the end of this video, you'll understand exactly what to invest in, how much to allocate, and how to avoid the psychological traps that cause most investors to underperform.


📊 TIMESTAMPS:
0:00 - Intro: Why Cash Isn't Safe
2:45 - Understanding Equities (Stocks)
6:05 - Understanding Fixed Income (Bonds)
8:00 - Why 90% of Active Funds Fail
11:50 - Building a Diversified Portfolio
15:00 - Asset Allocation ETFs: The Simple Solution
19:05 - Investment Psychology & Behavior
23:15 - Your Step-by-Step Action Plan


💡 KEY TAKEAWAYS:
• $50,000 in cash becomes worth only $27,000 after 30 years due to 2% inflation
• 90% of actively managed Canadian equity funds underperform their benchmarks over 10 years
• A seemingly small 1.8% fee difference costs you $240,000 over 30 years
• Only 4% of individual stocks account for all net wealth creation in the market
• Geographic diversification is essential—no country's dominance is guaranteed
• Asset allocation ETFs provide complete, globally diversified portfolios with fees of just 0.20-0.25%

🎯 ASSET ALLOCATION ETFs MENTIONED:
• Vanguard: VBAL (60/40), VGRO (80/20), VEQT (100% equity)
• iShares: XBAL (60/40), XGRO (80/20), XEQT (100% equity)
• BMO: ZBAL (60/40), ZGRO (80/20), ZEQT (100% equity)


📚 RESEARCH & DATA SOURCES:
• S&P Dow Jones Indices - Active fund performance data
• Morningstar - Behavior gap research
• Hendrik Bessembinder - Individual stock performance study (1926-2019)



👋 I'm Toyin, a CPA and financial planner helping Canadians build wealth and retire with confidence. If you found this helpful, subscribe for more evidence-based Canadian financial planning content.




⚠️ IMPORTANT DISCLAIMER:
This video provides general educational information only and should not be construed as personalized financial advice. All investments carry risk, including potential loss of principal. Past performance does not guarantee future results. Consider consulting with a qualified financial professional before making significant investment decisions.




#CanadianInvesting #InvestingForBeginners #IndexFunds #TFSA #RRSP #ETFs #RetirementPlanning #FinancialPlanning #WealthBuilding #PassiveInvesting #CanadianFinance #InvestingBasics #MoneyManagement #FinancialIndependence #CompoundInterest