Written by Kay Ng at The Motley Fool Canada
All earnings in Tax-Free Savings Accounts (TFSAs) are tax free if you don’t run a day trading business in the account. So, it comes to shielding investment income that would otherwise be taxed big by the Canada Revenue Agency (CRA) in non-registered accounts or taxable accounts.
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Kornel is the host of the Build Wealth Canada Podcast, and has been featured for paying off his mortgage in only 6 years while still in his 20s, and becoming one of Canada’s youngest retirees at the age of 32. He now runs a top personal finance and investing podcast created specifically for Canadians with well over 1.4 million downloads, as well as one of Canada’s largest personal finance and investing conferences. There he interviews the top personal finance experts to share their best practices, tips and tactics when it comes to investing and financial planning in Canada.
Jessica is a sought-after millennial money expert, Accredited Financial Counsellor Canada®, media personality, and host of the popular More Money Podcast.
Like many millennials, Jessica graduated university during the Great Recession with student loans to pay off, no job, and zero idea how money worked. As it turned out, she wasn’t alone. The lack of relatable and non-judgemental financial advice available inspired her to found MoorMoney Media Inc., a financial education company that includes online courses, her signature event series the Millennial Money Meetup®, a YouTube channel, and one of the leading podcasts in Canada with over 2 million downloads – the More Money Podcast.
Jessica is also a regular on-air TV personality on CTV News’ Mind the Gap panel and BNN Bloomberg, has been quoted by the media as a money expert hundreds of times, and often works as an influencer with big financial brands such as TD, BMO, PC Financial, and Quickbooks.
Saijal Patel is the Founder and CEO of Saij Wealth Consulting, a financial consultancy and education platform with a mission to help women create financial independence and security through the company’s online programs. She works with financial institutions to better serve the needs of female investors, and companies build effective financial wellness & inclusion programs for all employees. With more than twenty years’ experience in the financial industry in North America and Asia, Saijal is Chartered Financial Analyst (CFA) Charterholder and has held positions as a financial strategist and analyst.
Saijal is the creator and host of Strictly Money, Canada’s only national personal finance program. She’s a former business anchor and correspondent for Canada’s Business News Network (BNN), and CNBC Asia where she delivered commentary and analysis on Asian economies, stock markets and corporate news to more than 300 million households around the world. Her coverage earned her recognition as one of the most influential South Asian Women Executives in the Media and Entertainment Industry.
Andres Rincon heads the ETF Sales and Strategy desk at TD Securities. Mr. Rincon advises both institutional and wealth investors on ETF strategies, publishes a broad array of ETF publications, and works with TD’s ETF market making team in facilitating ETF orders. Andres joined TD Securities in 2008, first managing credit risk for the dealer, and later as a member of the Equity Derivatives division on the options sales desk. After four years leading equity derivatives sales and research in London, England, Andres moved back to Toronto. In 2016 Andres took on the task of expanding TD Securities’ ETF strategy platform. He is also a Chartered Market Technician (CMT).
Valerie Grimba runs the Global ETF Sales and Strategy team at RBC Capital Markets. In this role, she is responsible for providing solutions to help RBC’s institutional clients better understand and implement ETF strategies. She also works closely with ETF issuers to help facilitate ETF trading and create markets for their ETF products. Valerie has more than 15 years of global institutional sales and trading experience, spanning trading floors across Canada, the US and Australasia.
Valerie received her HBA with distinction from the Richard Ivey School of Business, Western University, and has attained several global market accreditations with the ability to trade on numerous international equity exchanges including Canada, the US, Australia and New Zealand.
Tony’s ETF analysis and reviews have been featured in multiple North American financial and investing media platforms, including U.S. News & World Report, USA Today Blueprint, TheStreet, Benzinga, and The Motley Fool. Currently, he is the Lead ETF Analyst for ETF Central, a partnership between the NYSE and Trackinsight. Previously, he also contributed content for the ETF platforms of both the Cboe Canada and Nasdaq exchanges.
Embracing the passive investing philosophy of John Bogle and the factor investing method of Eugene Fama and Kenneth French, Tony offers insights into portfolio management, investment selection, and asset allocation strategies. Tony earned a bachelor of arts degree in Criminology from Simon Fraser University in British Columbia, Canada, graduating in 2019. In 2023, Tony completed graduate studies at Columbia University in New York City, earning a master of science degree in Enterprise Risk Management.
Tony has completed numerous Canadian Securities Courses and has his Certified ETF Advisor (CETF®) designation from The ETF Institute. When he’s not reading about ETFs or writing about them, Tony likes to fiddle with and admire his watch collection. He also frequently travels to tropical locations, where he can be found floating in the ocean and eating fruit.
Matt joined the BMO ETF portfolio management team in 2012, specializing in fixed income. He is currently the team lead for all fixed income portfolios managed by BMO ETFs. In his role as portfolio manager and trader, Matt, and his team, are responsible for all segments of the fixed income market, both in Canada and internationally. Matt has over a decade of industry experience in managing and trading Canadian federal, provincial, corporate and real return bonds; US Treasury and corporate bonds, both investment grade and high yield (cash bonds and CDX); as well as, emerging market debt. Matt has spent his entire career at BMO joining the bank in 2009. Matt holds an HBA and MBA from the Richard Ivey School of Business at the University of Western Ontario and is a CFA Charter holder.
Chris has over two decades of experience in the investment industry and currently serves as portfolio manager for derivative-based and equity-based portfolios. This includes the management and trading of options on Canadian, US and European equities and ETFs. He also manages various cross-asset portfolios, which include Canadian and US fixed income and global equities. He has taken on numerous roles since joining BMO Financial Group in 2002, including Manager of Investments for BMO Asset Management Inc. where he was responsible for mutual fund manager monitoring and selection. In this role, he was also responsible for overseeing the currency hedging program across the mutual fund platform. Chris holds a BBA from York University’s Schulich School of Business and is a CFA charterholder.
Chris has more than 14 years of experience in the investment industry and currently serves as portfolio manager for equity-based and derivative-based ETFs. Chris also trades equity options and foreign exchange for the firm. He holds two degrees including a Master of Finance from the University of Toronto, Rotman School of Management (Dean’s List), and a Bachelor of Arts degree from the University of Waterloo, with studies in History and Mathematics, and is a CFA charterholder.
John has strategic oversight of the Tax Consulting team, seasoned tax specialists who support BMO Private Wealth Advisors and their clients by advising high net worth professionals, business owners and their families on practical and informed tax and estate solutions. Drawing on more than two decades of tax planning experience, he acts as a trusted resource, leading high-level planning discussions, presenting tax seminars and writing timely commentaries on emerging developments in his field.
John joined BMO Wealth Management in 2007, following 13 years at international accounting firm PricewaterhouseCoopers, where he led a team of tax professionals in the High Net Worth Planning Group in downtown Toronto. He is experienced in a broad range of tax and estate planning issues, including personal, corporate, trusts, partnerships, international and cross border, and not-for-profit taxation. John is recognized as a prominent subject matter expert and spokesperson on tax and estate planning for national print and online media and has also consulted on developing Canadian tax legislation.
John is a Chartered Professional Accountant (CPA, CA), CFP® professional and member of the Society of Trust and Estate Practitioners (TEP). He holds a Bachelor of Commerce (B.Comm.) from Queen’s University.
Nate has always been a massive fan of personal finance. In 2019, he realized how little financial education was talked about (especially among young adults) and decided to share that passion with the world.
To date, he has reached just over 150 million people organically with just under 225 million impressions with his content and aim to reach many more. 1,000,000+ followers across Instagram, Youtube, and TikTok (@newmoneynate) and his podcast New Money With Nathan Kennedy.
Omanand is a portfolio manager on the BMO ETF team focusing on equity, derivatives-based and multi-asset portfolios. Prior to joining BMO Asset Management Inc., Omanand was a Portfolio Manager at TD Asset Management on the Asset Allocation team where he provided ongoing risk management and tactical/strategic portfolio design of fund-of-fund solutions. He also helped develop new innovative solutions and manage option strategies. He holds a Bachelor of Mathematics from the University of Waterloo and is a CFA Charterholder.
Erin Allen has been a part of the BMO ETFs team driving growth since the beginning, joining BMO Global Asset Management in 2010 and working her way through a variety of roles gaining experience in client service, sales, and product development. For the past 5+ years, she has been working closely with capital markets desks, index providers, and portfolio managers to bring new ETFs to market that address the evolving needs of investors. More recently, Erin is committed to helping empower investors to feel confident in their investment choices through ETF education. Erin hosts the weekly ETF Market Insights broadcast, delivering ETF education to DIY investors in a clear and concise manner. Her focus is on supporting investors in their own investment journey. Erin has an honors degree from Wilfred Laurier University and her CIM designation.
Dr. Mark Soth completed training in respirology and critical care medicine at McMaster University in 2006 and is currently an Associate Professor in the Department of Medicine there. He led the development of his hospital ICU service into a multi-service Department of Critical Care at St Joseph’s Healthcare Hamilton. Currently, he serves as Department Chief and mentors other developing physician leaders. He has supported other physician and allied health leaders within his department to grow world class multi-disciplinary research and methodology programmes. Mark has a recognized passion for education and has won several clinical teaching awards. He is also a leader in curriculum development and was a founding co-chair of the Canadian Critical Care Review Course (CCCR) and the Mechanical Ventilation Workshop at CCCR. After a decade in these leadership roles, he has now shifted his focus to develop and deliver curriculum to improve physician financial health, career development, and well-being.
Larry M. Berman appears weekly on BNN Bloomberg’s Berman’s Call where Canadians look to him to deliver insights about market performance — with a focus on education, asset allocation, and prudent risk management.
Larry is a Chartered Market Technician (CMT), a Chartered Financial Analyst (CFA) charter-holder, a US registered Commodity Trading Advisor (CTA), and holds a BA in Economics from York University.
With 30 years of industry experience, Larry is a is a co-founder, partner and chief investment officer of ETF Capital Management and co-founder of Quintessence Wealth. Prior to founding ETFCM, Larry was chief technical strategist and managing director for CIBC World Markets – where he was ranked as one of Canada’s “Top 3 Analysts” including #1 in fixed-income according to Brendan Wood institutional investor surveys. Larry was also a senior technical analyst for Thomson IFR in Boston and senior technical analyst and trader for Marleau, Lemire Futures in Toronto.
Alfred Lee is a portfolio manager and investment strategist at BMO ETFs, where he currently leads the index equity team, a team which currently manages some of the largest ETFs in Canada. In addition to his portfolio manager duties, Alfred also serves as the investment strategist for the team, putting together trade ideas and model portfolios for institutional and retail clients. Prior to moving to equities, Alfred was a lead portfolio manager on the entire fixed income BMO ETF line up and also spent a year seconded to the Bank of Canada, managing their Provincial Bond Purchase Program (PBPP), one of the central bank’s emergency asset purchase programs in 2020. Prior to joining BMO, Alfred worked at two other Canadian banks as a research analyst, focusing on macro-economics and ETFs and also worked in an institutional consultant practice of a major bank.
The index investment strategy team provides research and commentary on the entire S&P DJI product set, including U.S. and global equities, thematics, commodities, fixed income and sustainability indices. She is also a frequent contributor to both print and broadcast media outlets.
Prior to joining S&P DJI, Anu worked in the asset management space, completing a post-MBA rotational program at Russell Investments within their fixed income research and trading divisions and working as a portfolio manager focusing on emerging market equities at Parametric Portfolio Associates (subsidiary of Eaton Vance).
Anu is a CFA charterholder and holds an MBA in finance and economics from Columbia Business School, and a bachelor’s degree in finance and marketing from NYU’s Stern School of Business.
Jennifer has been with BMO Capital Markets Economics for over two decades and is perhaps best known for her analysis on the U.S. economy, as well as her commentary analyzing financial market and economic activity in Europe and Japan. Her entertaining, easy-to-understand and call-it-like-it-is writing style has earned her a devoted following. Jennifer is also one of the primary authors of the Department’s hugely popular daily AM Notes, providing analysis of major global economic and political events. She is also co-author of Rates Scenario, covering currencies and markets outside of the U.S. and Canada. Jennifer is also a regular in the media and is a frequent guest on Bloomberg.
Prior to joining BMO, Jennifer was an economist at another Canadian bank for a few years in economic research. Jennifer graduated from the University of Waterloo with a Bachelor of Arts degree in Economics.
Richard has over 19 years of experience in the financial services industry. His key responsibilities include leading growth in BMO ETFs’ business, raising product awareness, and delivering a world-class experience to investment advisors and portfolio managers. He possesses product knowledge spanning across traditional and alternative investments.
Richard previously served as Director Equity Derivatives, CRM at TMX Montréal Exchange, where he oversaw the options market. His mandate was to develop the derivatives business by helping investment advisors and investors use options. He contributed for many years to the development of the derivatives market and has held increasingly senior positions during his tenure at the Montréal Exchange, where he carried out interactions with various market participants from the buy side to the sell side. Before joining the Montréal Exchange, he was at Desjardins, onboarding and relationship management for active traders at Disnat Direct.
Richard holds a number of industry designations including Derivatives Market Specialist (DMS®), Fellow of CSI (FCSI®) and is a Chartered Alternative Investment Analyst (CAIA®) Charterholder. He is an alumnus of John Molson School of Business, Concordia University with a BComm in Finance and Management Information Systems.
Adrian is the founder of the YouTube channel “Canadian in a T-Shirt” where he creates content that breaks down topics related to personal finance, investing, taxes, credit cards and how to start a business for Canadians! His content is easy to digest, energetic and informative and created specifically for do it yourself investors.
Marina Mets heads up Fixed Income and Multi Asset Product Management & Research in the Americas. Building on her prior role in the Research team leading the Canadian Fixed Income business, Marina works closely with FTSE’s partners and key clients, including major asset owners, fund managers and investment banks to develop and broaden FTSE’s fixed income offering globally. Marina leads a team focused on targeted client engagement to design and provide index solutions, educate the market on FTSE’s index philosophy, and profile use of indexes in investment portfolios and strategies across all asset classes.
Marina has been with the Fixed Income Index business for 20 years, starting her career in the capital markets research team at Scotiabank, and continuing on with the Canada fixed income index business through its acquisition by TMX Group in 2006, and the subsequent acquisition by FTSE in 2013.
Marina holds a Bachelor of Commerce, specializing in Finance, Accounting, and Economics, from the Rotman School of Management at the University of Toronto, and is a CPA CMA.
Jonathan Chevreau runs FinancialIndependenceHub.com. He is the author of Findependence Day and co-author of Victory Lap Retirement. He was a Personal Finance Columnist for National Post from 1993-2012 and Editor-in-Chief of MoneySense Magazine from 2012-2014. He is currently the Investing Editor at Large for MoneySense and writes its monthly Retired Money column.
Camilo Gil joined CIBC Capital Markets in 2010. He recently took on expanded accountability leading CIBC Capital Markets’ Canadian Delta 1 derivative business in addition to his role as head of ETF and Retail Block Trading. In this capacity, Mr. Gil is responsible for institutional sales, market-making and risk management across all ETF asset classes.
Mr. Gil’s team advises existing ETF manufacturers and new market entrants, and continues to play an integral role in the launch of new ETF products.
Mr. Gil’s experience includes specialized knowledge of exchange traded funds, market structure, market-making, arbitrage, direct market access (DMA), algorithmic trading, electronic connectivity and execution. He was instrumental in the launch and development of CIBC’s capital markets capabilities and client relationships in Latin America.
Previous to his current role, Mr. Gil developed and maintained relationships with institutional accounts and hedge funds in relation to DMA, algorithmic trading and electronic connectivity.
Mr. Gil is an active supporter of United Way and participates in a number of community events and sponsorships annually. He graduated from McMaster University with a Bachelor of Commerce degree with Honours.
Greg Walker is Director, ETF Capital Markets and Strategic Relationships at BMO Global Asset Management. Before re-joining BMO, Walker was head of institutional ETF sales for Vanguard Investments Canada Inc. and global head of ETF distribution at RBC Capital Markets. He also served as executive vice-president and head of institutional and national accounts at Evolve ETFs and was head of iShares business development at BlackRock Asset Management Canada
Greg started his career at Bank of Montreal and has held various investment roles including high yield debt analyst and portfolio manager in a fixed income investment management group specializing in credit risk assets.
Mr. Walker earned an HBA in economics and financial management from Wilfrid Laurier University. He is a CFA® charterholder and has held positions on a number of investment industry boards, including the Buy-Side Investment Management Association (BIMA), Canadian Security Traders Association (CSTA) and the board of Women in Capital Markets (WCM).
Graham MacKenzie is the Head of Exchange Traded Products and leads the ETF and Structured Product businesses at the TMX. In this role, Graham is not only tasked with growing the TSX’s ETF footprint but also focused on nurturing and fostering the adoption and use of ETFs in Canadian investment portfolios. Graham joined the TMX after an 18 year career as an equity trader that included managing multiple trading businesses. During this time he was at CIBC where his responsibilities included Portfolio Trading, Head of the Retail Execution Services and Retail Block Trading desks. Prior to CIBC, Graham worked at RBC Capital Markets where he was a pioneer in the Canadian portfolio trading business. At both CIBC and RBC, Graham was responsible for managing corporate trading relationships and advised issuers on corporate buybacks, building toehold positions and disposing minority stakes. He began his trading career as an options trader on the floor of the Toronto Stock Exchange with RBC. Graham and his wife, Michèle, are the founders of Ready, Set, Play Children’s Charity which is a Toronto based charity that provides funding for underprivileged children to participate in recreational sports and dance.
Pat Bolland has been in the investment industry for more than 4 decades. Pat started work on the floor of the Toronto Stock Exchange as a phone clerk for McLeod Young Weir. Over a decade he progressed through retail and institutional sales to help take MYW to a leadership position on Bay Street.
Pat spent the next 25 years in media; as TV-host at BNN and SNN; on-air business editor at CNBC and CBC; radio host on CFRB; and writer for Moneysense, Sun Media and AOL.
Despite all his media, business and sport ties he still gets stopped on the street, usually by someone who states … “You’re the guy with the ‘stache’!
ETF Market Insights est la principale ressource éducative au Canada pour les investisseurs canadiens en FNB de tous âges. Chaque semaine, nous explorons un nouveau sujet avec des experts en la matière, et nous invitons notre public à soumettre des questions pour obtenir des réponses réfléchies de nos panélistes.
ETF Market Insights est fièrement parrainé par BMO ETFs et a lieu tous les vendredis à 13h00 HNE. Les rediffusions de tous les épisodes sont disponibles chaque semaine après la diffusion en direct. Vous pouvez accéder aux archives ICI..
Nous avons hâte de vous éduquer chaque semaine!
Rosa is a corporate engagement practitioner with 10 years’ experience in the responsible investment industry and joined BMO GAM’s Responsible Investment team in early 2020. Rosa specializes in North American corporate governance and engaging management and board members on ESG. She leads BMO GAM’s Responsible Investment Stewardship strategy and efforts, which includes corporate engagement, proxy voting, public policy advocacy and industry collaboration. She serves on the Responsible Investment Association’s Leadership Council, the Canadian Coalition for Good Governance’s Environmental & Social Committee, Climate Engagement Canada’s Steering Committee and the Advisory Committee for the Investor Alliance for Human Rights. She holds a BA in Political Science and an MSc in International Development Studies from the University of Amsterdam.
Adriano has been investing on his own since 2011 and tried many different investing techniques, eventually focusing exclusively on “Income Oriented” Investing starting in 2018. A major investment in 2019 (Home Sale) led to Financial Independence (FIRE) at 34 years old. In March 2020, Adriano and his wife Erica created the YouTube Channel Passive Income Investing which has over 40k subscribers. This channel showcases their “Income Oriented” approach which is designed to generate high passive income by investing in ETFs and Funds that hold quality companies and use income enhancing strategies such as covered call ETFs.
Paul Riccardella is an Executive Director and Head of Wealth Indexed Investments Coverage at MSCI Inc., a publicly traded company (NYSE: MSCI) and a leading global provider of investment decision support tools including indexes, ESG/Climate, real estate and portfolio analytics. In his capacity at MSCI, Paul leads a team that works with professional investors in North America that use index tracking instruments like ETFs and Direct Index SMAs to build client portfolios. Prior to joining MSCI in 2011, Paul worked at Putnam Investments for seven years, a Boston based asset manager, where he specialized in working with due diligence and research teams at the largest wealth management firms. Paul holds an MBA from the Kellogg School of Management and a BA from Boston College along with memberships to the CFA Society and CAIA Association of Boston.
TD Direct Options Education Month
ETF Market Insights’ Danielle Neziol joined TD Direct on Thursday, June 9th @ 1:00pm ET to talk about accessing options strategies to generate passive income using covered call ETFs. Click here to watch the replay.
ETF Market Insights x HardBacon:
A Conversation on Inflation
Danielle Neziol sits down with Julien Brault, founder of Hard Bacon, to provide an update on Inflation and discuss how ETFs can help hedge portfolios against some of the risks involved with rising inflation. Streaming live on HardBacon’s YouTube Channel, Tuesday May 31 @4pm EST.
ETF Market Insights x Build Wealth Canada:
Are You Holding the Right Bonds in Your Investment Portfolio?
Danielle Neziol speaks with, Kornel Szrejber the host of the Build Wealth Canada Show (A top personal finance and investing podcast for Canadians). to discuss fixed income ETFs. Listen to the podcast here.
ETF Investing In Canada: The Ultimate Guide To Passive Investing
Let’s talk about ETF Investing in Canada! Passive investing using ETFs is taking the world by storm, and it is by far, one of the easiest ways to invest in the stock market. What is an ETF? How do they work? What are the best ETFs to buy in Canada? Brandon Beavis covers all of that and more in this video! Watch the video now.
ETF Market Insights is Canada’s leading educational resource for Canadian ETF investors of all ages. Each week we explore a new topic with subject matter experts, and we invite our audience to submit questions for thoughtful responses from our panellists.
ETF Market Insights is proudly sponsored by BMO ETFs and occurs every Friday at 1:00PM EST. Replays of all episodes are available each week after the live broadcast. You can access the archive HERE.
We look forward to educating you each week!
Brandon Beavis was one of the youngest people in Canada to become licensed as an Investment Advisor, at the age of 20. After a few years working at his father’s investment firm, he decided to take his knowledge directly to the DIY investor by using YouTube as a platform to share his investment knowledge and expertise. He has grown his channel Brandon Beavis Investing to one of the largest Canadian-focused personal finance and investing channels with over 180k subscribers in addition to educational resources on The Investing Academy, which has empowered over 1,500+ Canadians to educate themselves on personal finance via video courses, live session, Q&As, and community chatrooms.
Ellen Roseman is a journalist who sticks up for ordinary Canadians. She’s been advocating for consumer rights for the past 40 years.
When you hear about consumer issues in Canada, you can’t avoid finding references to Ellen Roseman. She’s become a brand name for activism and a champion at helping consumers fight back against injustices. People praise her direct, down to earth and common sense writing style.
Ellen’s personal finance and consumer columns appeared in the Toronto Star for 20 years until 2019.
She was the Star’s business editor for two years (1997-1998). Before that, she was with the Globe and Mail as a columnist and associate managing editor of the Report on Business.
Her books, Money 101: Every Canadian’s Guide to Personal Finance, and Money 201: More Personal Finance Advice for Every Canadian, are an easy-to-understand introduction to personal finance for those of us who are short of time and money.
She’s the author of four other books, Ellen Roseman’s Money Guide for Modern Families, Canadian Parent’s Sourcebook, Canadian Consumers’ Survival Book and Consumer, Beware! The most recent book is Fight Back: 81 Ways to Help You Save Money and Protect Yourself from Corporate Trickery.
She’s been teaching courses in investing and personal finance at the University of Toronto’s continuing studies department since 2004. Her specialties are learning how to invest for beginners and how to become a smart consumer.
Ellen is a former board chair and current director of the Canadian Foundation for Advancement of Investor Rights (FAIR Canada). She also hosts the MoneySaver Podcast, sponsored by Canadian MoneySaver magazine.
As the founder and leader of Sparx, Hamish has always been drawn to big ideas and impactful projects. He has a knack for puns: he once convinced a potato to fall in love with an onion – the secret was to teach them how to be mutually a-peeling.
At SparxTrading.com, we believe DIY investors deserve access to quality, objective information about online brokerage industry that services them. By constantly researching, monitoring and compiling data into an easy to access format, SparxTrading.com has become Canada’s leading and most comprehensive website for DIY investors to compare discount brokerages as well as to get the latest information on deals & promotions offered by Canadian online brokers.
