Build Wealth Canada Podcast

Kornel interviews the top financial experts in Canada to help you optimize your investments, reduce your taxes, and help you accelerate your journey towards financial independence and early retirement. He also shares his own experiences and lessons learned in investing and as an early retiree and member of the FIRE (Financial Independence, Retire Early) community to help you optimize your finances, specifically here in Canada.

Build Wealth Canada Podcast is a business podcast hosted by Kornel Szrejber: Investor, with 147 episodes on record and a Required Pod Score of 80.

Kornel Szrejber: Investor hosts Build Wealth Canada Podcast, a business show with 147 episodes published.

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  Episode #146

  How Much Can You Spend in Retirement? Lessons From Our Financial Plan

  Sep 30, 202643 minS1

  How much can you spend in retirement, and how should that amount change when your investments do better or worse than expected? In this episode, I'm joined by Kenneth Doll and Matthew Lahey from Bracket Planning, who recently created a financial plan and retirement income plan for my wife and me. One of my biggest questions was how much we could enjoy spending now while still planning for our portfolio to support us for the rest of our lives. We use our experience to explore lessons you can apply to your own retirement or semi-retirement planning here in Canada. We discuss: How to assess whether you have enough to retire or semi-retire. How to approach turning your investments into an ongoing income stream. The trade-offs between keeping your spending steady and adjusting it as markets change. What to look for in a financial planner and which conflicts of interest to watch for. Ken is a Certified Financial Planner with three decades of experience. Matt is a financial planner and partner at Bracket Planning who brings a background in technology to their planning work. They're independent, advice-only planners, meaning they don't sell investments. This helps avoid conflicts of interest related to investment sales and was one of the key reasons I decided to work with them. Ken and Matt were nice enough to offer a free, no-obligation introductory call for Build Wealth Canada listeners. You can request your free call by visiting buildwealthcanada.ca/retire . Also, a big thanks to this episode's sponsor: Saily: Get 15% off Saily data plans at https://saily.com/buildwealth

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  Episode #145

  How Mark Seed Retired 10+ Years Early: Strategy, Portfolio & Lessons

  Aug 31, 20261h 23mS1

  In this episode, Mark Seed from My Own Advisor shares how he and his wife reached Financial Independence and officially retired early in Canada in their early 50s. Discover how Mark structured his portfolio, the investment choices that got him to his number, and how they set up their investments to live off portfolio income for the long run. We also compare Mark's approach to other early retirement paths in Canada to help you choose the right financial independence strategy for your goals. In this episode, you will learn: How Mark transitioned from planning early retirement to retiring this year The specific portfolio structure and assets that funded his early retirement How Mark and his wife plan to draw down and live off their investments long term Why there is no single path to FIRE (Financial Independence, Retire Early) in Canada Key investing and personal finance lessons Mark learned from running My Own Advisor for 17 years Thank you to our sponsors: Saily Discount Link for 15% Off Their Data Plans: https://saily.com/buildwealth BMO ETFs: https://www.bmo.com/en-ca/main/personal/investments/etf/ ETF Market Insights YouTube Channel: https://www.youtube.com/@ETFMarketInsights Views From The Desk Podcast: Apple Podcasts - https://podcasts.apple.com/ca/podcast/bmo-etfs-views-from-the-desk/id1504919404 Spotify - https://open.spotify.com/show/0r82489eCvVh1AyWPFQs43 Additional Resources: Investing Guide: What I Invest In and Why? (Kornel's Portfolio): https://www.buildwealthcanada.ca/guide/ Podcast Website: https://www.buildwealthcanada.ca Mark's Websites and YouTube Channel: https://www.myownadvisor.ca/ https://www.cashflowsandportfolios.com/ https://www.youtube.com/@myownadvisor

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  Episode #144

  How to Retire Early in Canada: How Stephanie Did It and Now Travels the World

  Jul 30, 202657 minS1

  When we first start our do-it-yourself investing journey here in Canada, almost all of our focus is understandably on the accumulation phase. We are diligently saving, maximizing our TFSA and RRSP contributions, and figuring out the right asset allocation of low-cost index ETFs to grow our wealth. But what happens when you actually hit your number? What happens the day after you reach financial independence, and you can finally quit your job to design the exact life you want? People often think that it is all pure bliss, but for many of us, a whole new wave of anxiety sets in. Suddenly, you are shifting from building your wealth to actually spending it. The fear of future stock market crashes becomes very real, and it can be surprisingly difficult to say "no" to extra work, or you might find yourself becoming overly frugal just in case something bad happens. In this episode, we are tackling this massive psychological and mathematical shift, and learning how my guest Stephanie and her wife Gillian tackled this challenge after retiring in their 30s and 40s here in Canada to travel the world. We discuss exactly how they did it, and how they manage their finances now to avoid running out of money while living off their portfolio. Here is a breakdown of what we tackle in this episode: Their Decumulation Blueprint: How Stephanie and Gillian structure their annual withdrawals so they can travel without the fear of running out of money. Protecting Against Market Crashes: We discuss using cash cushions, fixed income, and if they use any specific rules for when to sell equities to refill their cash buckets. Lifestyle Design and Overcoming Anxiety: We cover the psychological side of things. We explore how much is "enough", how they master the management of everyday cash flows while in retirement, and how you can actually find fulfillment once you no longer have a 9-to-5 job. In case you haven't heard of Stephanie and Gillian, they document their incredible early retirement journey and share practical financial lessons over on their website, OurFreedomYears.com, as well as on their popular YouTube channel, Our Freedom Years. They have a wealth of knowledge when it comes to the realities of living off a portfolio as Canadians, and I'm thrilled to have Stephanie on the show. Let's get into the interview.

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  Episode #142

  What Every DIY Investor Should Know Before Buying ETFs in Canada

  May 21, 202646 minS1

  <p >Today's episode is going to be especially useful if you're a Canadian DIY investor and you want to build an optimized, passive, low-cost portfolio, but you still have questions about some of the practical details.</p> <p >For example, should you just buy one all-in-one asset allocation ETF, or is there a benefit to buying the underlying ETFs individually? How much should you care about ETF trading volume? What does liquidity actually mean when we're talking about ETFs? Should you use market orders or limit orders when buying ETFs? And if you're an income-focused investor, what are the pros...

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  Episode #141

  Is Your Portfolio Safe? The Security Checklist Every Canadian Investor Needs

  Apr 21, 202643 minS1

  <p >As the markets hit all-time highs again, one of the things that has become top of mind for me personally is how to make sure that our investments are actually secure.</p> <p >If you're a long-term passive, total market index investor like me, then you've definitely seen your portfolio grow quite substantially over the years. With this, one begins to wonder: What can be done to ensure the security of those investments?</p> <p >In this case, I'm not talking about the volatility of the investments themselves, but rather how to ensure that our investment and other financial...

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