Barenaked Money
114 episodes - English - Latest episode: about 1 month ago -Slip into something more comfortable and delve into personal finance with Josh Sheluk and Colin White, experienced portfolio managers at Verecan Capital Management. Each episode demystifies complex financial topics, stripping them to their bare essentials. From investment strategies and financial planning to economic headlines and philanthropic giving, delivered with a blend of insight, transparency, and a touch of humour. Perfect for anyone looking to understand and navigate their financial future with confidence. Subscribe now to stay informed, empowered, and entertained.
Verecan Capital Management Inc. is registered as a Portfolio Manager in all provinces in Canada except Manitoba.
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Episodes
Episode 61: Special Guest Geoff MacDonald | Edgepoint Wealth
October 07, 2022 11:51 - 45 minutes - 84.1 MBIf you've ever wondered what combination of experience, training, aptitude and skills it takes to become a renowned portfolio manager and blueberry farmer, now's your chance. Join Colin & Josh as they pick the brain of one of the best. Geoff MacDonald of Edgepoint Wealth is an award-winning portfolio manager who was recognized by the World Economic Forum as a "Young Global Leader" and named by Barron's as one of the top 50 Portfolio Managers in 2007. Aside from those accolades and th...
Episode 59: Safe as Houses? | Canadian Banks & Real Estate
September 23, 2022 09:27 - 28 minutes - 51.7 MBThere are few things that Canadians hold in as much esteem as their banking institutions. We Canadians are pretty fortunate to have a banking system that is robust and regulated, but are those handful of publicly traded institutions the best place to invest your hard earned money? What about Real Estate? We're tackling the big questions today on Barenaked Money.
Episode 58: An MF PM | The Role of a Mutual Fund Portfolio Manager
September 16, 2022 09:39 - 35 minutes - 64.8 MBWhat does a Mutual Fund Portfolio Manager do all day? As it turns out, it's not as much Wolf of Wall Street as you're probably hoping. Still, with the help of guest James Gauthier, Vice President, Investment Products & Platforms at iA Private Wealth, Josh & Colin cover the excitement and the hard work that goes into the job. In a very down-to-earth and realistic way, you'll hear how decisions are made and what they mean.
Episode 57: The Dirty Word | Recession
September 09, 2022 18:21 - 29 minutes - 54.3 MBYou're hearing rumblings from all the big news outlets and all the big players in the world of finance. Whether they're whispering like it's a bad word or shouting it like Henny Penny - does the fact it's being discussed endlessly make it a problem for a well-constructed plan? Listen to what Colin & Josh have to say in this week's episode.
Episode 56: Smorgasbord | A Little Something for Everyone
September 02, 2022 17:39 - 31 minutes - 58.5 MBA lot of quick hitters in this week's episode. Consider it a medley of flavours from the world of personal finance. How important is it to be able to support a family financially for men vs women? You might be surprised at what the research shows. Are SPACs still a thing? You probably won't be surprised by what the research shows. Has Josh's opinion evolved as it pertains to Elon Musk? No. But maybe. But no.
Episode 55: The Current | All The Things
August 19, 2022 18:35 - 30 minutes - 55.3 MBThis week's episode was recorded a few weeks back, but it remains relevant. We're talking about current events and how to view them from a pragmatic standpoint. A key quote this week: "There's a certain amount of uncertainty in life you have to learn to live with. There's no way for us to make this completely comfortable for you."
Episode 54: Special Guest Carl Richards | Behavior Gap
August 08, 2022 16:36 - 44 minutes - 40.5 MBIn this week's episode, we were fortunate to be joined by Carl Richards of The Behaviour Gap. Carl is a renowned author, a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.
Episode 53: Special Guest Hugh MacPhie | Magnetor
July 22, 2022 18:57 - 40 minutes - 37.1 MBSpecial guest, Hugh MacPhie, on this philosophy: "So the genesis of magnetism thinking, which is basically the core of everything we do within our firms, we try to link all of our work back to, what does magnetism, and being more magnetic imply, with respect to either strategy work, or branding work, or creating an engaging and high performing culture? And the core question that I found super interesting was, what do people cheer for and why?"
Episode 52: Mr. Positivity | Turning That Frown Upside Down
July 08, 2022 12:45 - 21 minutes - 38.8 MBHumans have evolved to look for negative information and project possible outcomes. If we hadn't evolved that way...well, we wouldn't have evolved at all. So how do we overcome our natural instincts? Let Josh & Colin explain.
Episode 51: Time For a Change? | Built For the Long Haul
June 30, 2022 11:54 - 37 minutes - 69.3 MBIf you have a good financial plan in place, it's probably built for the long haul. Josh and Colin discuss the current reality of a bear market, rising interest rates, inflation and what it means to our clients in real life.
Episode 50: The Humble Brag | The Track Record Review
June 24, 2022 19:12 - 36 minutes - 66.2 MBHow often do you think our process has worked out in our favour and how often have we missed the boat? Find out in this week's episode of Barenaked Money when we look back over the past fifty episodes.
Episode 49: Bear or No Bear? | OK, It's a Bear
June 17, 2022 15:52 - 31 minutes - 56.8 MBIn this episode Josh & Colin discuss how, when we recorded this, we weren't officially in a Bear market. However, things have changed. Importantly, the message of the podcast remains salient - no matter what the market condition. So listen in as we discuss whether or not a bear market matters.
Episode 48: Josh Buys a House | Part 2
June 10, 2022 16:31 - 18 minutes - 34.1 MBWe didn't know we'd need a part two on this, but it turns out that buying a house in the current marketplace isn't as straightforward as a one-episode podcast would have you believe.
Episode 47: Revenge of the Nerds | Deep Diving Part 3
May 20, 2022 13:22 - 27 minutes - 50.7 MBI'm as surprised as you are but apparently, people are deeply interested in the inner workings of Josh's mind. In this episode, the guys continue to delve into the more technical aspects of their roles, including a discussion on some of the factors that go into portfolio construction and investment decisions.
Episode 46: Josh Buys a House | Housing Market Insights
May 13, 2022 16:26 - 20 minutes - 37.9 MBIn this episode we are stepping back from the deeply deeply technical, and getting into something that's meaningful for many families in Canada today. We delving into the current state of the housing market, and what a home purchase may mean for your family given recent changes in the interest rate landscape in Canada.
Episode 45: Revenge of the Nerds | Deep Diving Pt 2
May 06, 2022 13:45 - 44 minutes - 80.7 MBIt's Part 2 of Revenge of the Nerds where our guys delve into the depths of some of the more technical aspects of what we do for our clients. You've been warned.
Episode 44: Revenge of the Nerds | Deep Diving Pt 1
April 26, 2022 19:42 - 33 minutes - 61.3 MBIn this episode, Colin & Josh respond to listener requests to provide some super technical and detailed content. We're not sure who made this request. It could be a test to see if the guys really know their stuff (spoiler: they do), or it could have been Josh sending emails from an anonymous address to manufacture an excuse to talk about some of the things he loves the most.
Episode 43: Avoiding the Family Feud | Part 2
April 01, 2022 14:06 - 29 minutes - 53.9 MBContinuing from Part 1 last week, we're still talking about intergenerational wealth transfer. And we're thrilled to remind you we're joined again by guest star and long-time friend of WLWP. Brent Vandermeer is a Portfolio Manager at Crosspoint Financial | iA Private Wealth in Ottawa.
Episode 42: Avoiding the Family Feud | Part 1
March 25, 2022 17:09 - 31 minutes - 58.6 MBThis week we welcome a very special guest, and long-time friend of WLWP. Brent Vandermeer is a Portfolio Manager at Crosspoint Financial | iA Private Wealth in Ottawa. Colin & Brent are doing a deep dive into the subject of estate planning. In Part 1, we're talking about intergenerational wealth transfer...we're still going to be talking about it in Part 2, next week. There's a lot to cover!
Episode 41: Hoping for Peace | Conflict in Ukraine
March 10, 2022 15:46 - 29 minutes - 53.6 MBThe conflict in Ukraine. It has captured the hearts and minds of all of us. Unfortunately, on top of the very real humanitarian crisis, there are practical concerns that, in our responsibility to our clients, we have to talk about. Hopefully, this conversation with Colin & Josh will remind you that they've got your best interests in mind, at every step.
Episode 40: Market Update Webinar
February 28, 2022 13:22 - 59 minutes - 109 MBYou are undoubtedly taking in current events. Inflation, interest rates and Ukraine are probably all on your mind. Along with concerns of a purely human perspective, you may be worried about how this will impact your investments and financial goals. Although the situation may feel ‘unprecedented’, similar to the initial days of COVID, the market has been through this before. While it probably seems easy for us to say, “Don’t worry,” we do know it is not always as simple to take tha...
Episode 39: Don't Be Too Sure | Remembering Nortel
February 11, 2022 18:28 - 30 minutes - 56.4 MBWe're taking a walk back in time to cover some of those moments when people were really really sure about something to see how that all played out for them. This time we're talking about Nortel which, as it turns out, is a bit player in Josh's origin story!
Episode 38: Current Events | It's a Little Spicy Out There
February 07, 2022 14:02 - 31 minutes - 58.2 MBIt's been a spicy start to 2022. Josh & Colin are going to talk about some current events, what's been happening in the markets, and address some of the headlines that might be keeping you up at night.
Episode 38: Buying a 2nd Property | AKA the episode with all the dislaimers
January 31, 2022 17:19 - 27 minutes - 49.9 MBWe're taking a different look at investing in real estate. Picking up the perfect retirement property in preparation for a retirement date in the future, a cottage for the family to hand out in? This podcast is all about buying a second piece of real estate and looking at the ins and outs as well as the dos and don'ts.
Episode 37: Buying a 2nd Property | AKA the episode with all the dislaimers
January 31, 2022 17:19 - 27 minutes - 49.9 MBWe're taking a different look at investing in real estate. Picking up the perfect retirement property in preparation for a retirement date in the future, a cottage for the family to hand out in? This podcast is all about buying a second piece of real estate and looking at the ins and outs as well as the dos and don'ts.
Episode 36: The Predictions Episode | Peer Into The Crystal Ball With Us
January 21, 2022 23:26 - 28 minutes - 52.2 MBOh predictions. You know we're a little too pragmatic to whip out the tarot deck and start making sweeping proclamations. However, it might surprise you to know that we're doubling down on what we think are some things that are pretty much *guaranteed* to come true in 2022. Have a listen and let us know if you agree.
Episode 35: 2021 Wrap Up | Getting Barenaked One Last Time in 2021
December 31, 2021 13:32 - 36 minutes - 67 MBJosh & Colin tackle the big stories of 2021 with their usual full-frontal style. How did the headlines play out, did things meet up to the hype or the hyperbole? Find out in this week's episode of Barenaked Money.
Episode 34: Financial Gurus | Leadership or Marketing
December 17, 2021 15:00 - 21 minutes - 39.4 MBA millionaire shouting into a microphone, a billionaire being interviewed by the Financial Post, or your clever neighbour with the Tesla...be careful where you get your financial advice. Sometimes the hype is just hype; if there's no product being sold, remember...you might be the product!
Episode 33: RESPs | The Kids Are Alright
December 10, 2021 15:00 - 24 minutes - 45.1 MBIf we learned anything from Colin and Josh in this episode, it's that Josh really doesn't like high-pressure sales techniques or scholarship trusts! It doesn't have to be terribly complicated, but there are a few different solutions to make sure your kids are able to access the education they need and want when they're ready.
Episode 32: Reverse Mortgages | Beyond the Late Night Informercial
December 06, 2021 15:10 - 16 minutes - 30.6 MBYou've seen the infomercials, now we're sharing the reality of Reverse Mortgages. Cutting out the late-night hype, questionable acting, and retired sports stars, Josh & Colin provide clarity on a product some of you might be curious about.
Episode 31: The ABCs of CPP
November 29, 2021 18:40 - 25 minutes - 23.2 MBThe most common questions we hear about CPP, answered by this week's hosts, Josh & Dylan. "Tell us when you're going to die, and we'll tell you when you
Episode 30: We're Nerding Out About Decentralized Finance
November 18, 2021 14:02 - 33 minutes - 61.5 MBJosh & Colin tackle the weird and wonderful world of Crypto, NFTs and...'sticking it to the man?' in this episode about DeFi. As John Oliver said, “Everything you don’t understand about money combined with everything you don’t understand about computers.”
Episode 29: But Can You Go Wrong? The Real Estate Investment Question.
November 12, 2021 19:14 - 25 minutes - 45.9 MBEver wondered if that adage about never losing when investing in Real Estate is true? Let Josh & Colin tell you how it really is with a real-life example, Colin recently sold his family home and he's getting super naked about the whole experience while Josh does quick math.
Episode 28: Mortgage Misconceptions (How to choose the right one for you)
November 04, 2021 17:35 - 13 minutes - 25.2 MBUnderstand all the ins and outs of mortgages so you can choose wisely when the time comes to buy your first home, a new home, or even a second home.
Episode 27: Webinar - Fall Market Update, October 2021
October 28, 2021 18:19 - 46 minutes - 85.2 MBThis week we're sharing our most recent market update which was presented to our clients and their guests earlier this month.
Episode 26: Does It Matter?
October 22, 2021 15:44 - 35 minutes - 65.9 MBWould predicting the value of Apple shares way back in the day have made a difference? What about being able to accurately foretell various booms and busts over time? Do these things really matter? Find out what Colin & Josh have to say on the subject in this lively and somewhat controversial episode.
Episode 25: Financial Literacy, Pt. 2
October 14, 2021 16:29 - 22 minutes - 21.1 MBLearn how to make day to day financial decisions like the pros. Colin & Josh walk through various daily decisions and break them down into easily understandable components so you're empowered to tell your chatty neighbour why his new Ultimate Chequing Account might end up costing him more money than the old penultimate one.
Episode 24: We interrupt your previously scheduled episode...
October 08, 2021 20:12 - 26 minutes - 47.9 MBWe were going to deliver Pt. 2 of Financial Literacy, but something came up. Or...something went down. So this week we're talking about the recent market downturn. Historically speaking this is a blip, but we know you might be feeling a *way* and we're here to help. Let's talk about how meaningful this dip is, in the big picture.
Episode 23: Financial Literacy...with Clowns! (Pt. 1)
September 30, 2021 13:27 - 32 minutes - 29.7 MBWhy a "0 down, 0% interest" car loan might not actually be in your favour, and other financial mysteries solved. Learn how to ask the right questions and make financial decisions like the pros. No clowns were harmed in the making of this podcast.
Episode 22: Passing Down the Cottage, Without Giving Away the Farm
September 17, 2021 18:35 - 32 minutes - 60.2 MBEventually, you want to gift the cottage to your kids so they can carry on creating fantastic family memories in a spot you all hold close to your hearts. Easy, right? Maybe. Or you might be kidding yourself. So why not hear what the professionals have to say. In this episode, Josh & Colin are joined by Carol Bezaire, Senior VP Tax & Estate Planning for Mackenzie Investments. This one is likely to strike a chord for many of our listeners.
Episode 21: Is There a Best Way to Draw Income in Retirement?
September 02, 2021 13:01 - 13 minutes - 24.9 MBIt's not as cut and dried as you may have thought. There are ways to draw income that are more efficient or advantageous for various reasons. There are also wrong ways to do it. So...get some advice, you can start with this episode of Barenaked Money.
Episode 20: The One About Divorce
August 26, 2021 18:12 - 23 minutes - 42.5 MBDivorce. No one likes to think they'll end up there. Heck, even the people who do end up there often hope it'll go better than it does. There's a lot to cover, but Josh & Colin touch on the basics in this week's episode. The emotions surrounding the demise of a romantic partnership are tough for everyone involved. However, seeking good & reasonable advice early in the process can ease the burden. If that's what you're looking for, we can help. (Side note: If you're mad and want advi...
Episode 19: The Election, Five Steps You Must Take Now.*
August 20, 2021 20:29 - 17 minutes - 31.4 MBDo you think you know under which government the market has performed best? Would you bet that you get how taxation has impacted our economy? First, Colin & Josh dissect the political landscape of the Canadian economy. Then, they spoon out a helping of reality onto some mythical beliefs surrounding policies (and politicians) and break the whole thing down without any hype or hyperbole. *Not really, that's a joke.
Episode 18: Webinar - Talking About Money
August 05, 2021 13:19 - 44 minutes - 41.1 MBMost Canadians would prefer to talk about a mysterious rash they have, than discuss their finances. Still, to get the best possible plan and develop the most effective relationship with your financial service providers, you have to learn to be ok talking about money. This special episode is taken from a recent webinar designed to help you feel as comfortable being Barenaked about money as we are.
Episode 17: Pension Plans, Pt.2 - Commuted Value
July 29, 2021 12:33 - 27 minutes - 25.1 MBGot a pension? Thinking of a career change? Then this pod's for you. Josh & Colin explain the ins and outs of commuted value and give some valuable insight on how to make a decision regarding what may be the biggest single financial question you'll ever be faced with.
Episode 16: Pension Plans, Pt. 1 - Defined Benefit
July 22, 2021 18:26 - 28 minutes - 51.8 MBToday the guys are talking about Defined Benefit Pension Plans. Magical panacea for retirement or not so much? The good news, the bad news, the dreams, and the realities. Everything you ever wanted to understand about your pension plan (but weren't sure who in HR could answer your questions).
Episode 15: The Science & Finess of Financial Data
July 15, 2021 13:00 - 34 minutes - 62.4 MBIf you've always believed those numbers that get thrown out each year, you might want to sit down for a moment. Financial data might not be as valuable or even valid, as you'd expect. Jobs numbers? Household income averages? Listen to what Colin & Josh have to say.
Episode 15: The Science & Finesse of Financial Data
July 15, 2021 13:00 - 34 minutes - 62.4 MBIf you've always believed those numbers that get thrown out each year, you might want to sit down for a moment. Financial data might not be as valuable or even valid, as you'd expect. Jobs numbers? Household income averages? Listen to what Colin & Josh have to say.
Episode 14: Greenwashing (No, it's not a new detergent.)
July 08, 2021 13:00 - 22 minutes - 41.2 MBJosh & Colin are joined by Associate Portfolio Managers, Laura and Ainsley to discuss the phenomenon of Greenwashing. What is it, how to spot it, and why it happens.
Ronaldo VS The Stock Market
July 01, 2021 13:00 - 6 minutes - 12 MBIt's Canada Day so we gave the guys a break, this is a super short special episode covering the Cristiano Ronaldo/Coke incident. Was it a thing or was it a coincidence? Let Colin & Josh tell you all about it.