I'm thrilled to interview Mathieu Martin (CFA) to discuss his approach to investing in microcap stocks.

Mathieu is the portfolio manager for the microcap fund at Rivemont.

Discussion points:

- Mathieu's introduction (1:18)

- Lesson's from poker (3:40)

- Why microcaps (5:13)

- Rivemont microcap fund overview (6:32)

- Mathieu's 3 key investing pillars (10:58)

- How to screen for opportunities (14:04)

- Mathieu's research process (16:46)

- Old economy businesses vs software companies (20:26)

- When to sell a losing position (23:45)

- Mathieu's best investment (26:40)

- Unsuccessful investments & lessons (33:01)

- D-Box Technologies, DBO.TO (39:28)

- Zedcor, ZDC.V (46:50)

- Firan Technology Group, FTG.TO (49:50)

- Lotus Creek Exploration, LTC.V (53:48)

- BQE Water, BQE.V (56:09)

- Medicure, MPH.V, (1:01:31)

- Kits eyecare, KITS.TO (1:02:55)

- How to approach investing in microcaps (1:08:20)

- Who should not invest in microcaps? (1:10:00)

- Where you can learn more about Mathieu's fund, blog (1:12:18)

This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/

Mathieu Martin:

[email protected]

https://www.linkedin.com/in/mathieu-martin-cfa-abb9a6b0/

https://stocksandstones.substack.com/

https://rivemont.ca/en/

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: [email protected]

I am delighted to re share the most popular episode of all time, featuring international best selling author, Andrew Hallam

We have a wide ranging discussion on the pillars of a successful life, the relationships between money & home ownership & happiness, spending money to enhance life satisfaction, evidence-based investing for success & simplicity, relationships, purpose, & lessons learned living abroad.

Discussion Points/Chapters:
- Andrew's background (1:28)
- The requisites of a balanced & successful life (5:23)
- The relationship between income and happiness (7:18)
- How should we spend our money? (10:28)
- The desert island litmus test (15:43)
- Is home ownership associated with happiness? (17:53)
- Is our happiness impacted by the neighbourhood we live in? (21:47)
- How much of our income should we spend on a home? (24:58)
- Why our investment horizon should be 30+ years (26:58)
- Should you lump sum invest now or wait? (31:18)
- Andrew's take on one stop shop ETFs (37:48)
- My investment approach & challenges (42:18)
- Key questions to as a financial advisor (46:09)
- How to think less about $$ and embrace balance (49:48)
- Why relationships are so important (52:47)
- Meaningful relationships in a world where social media is ubiquitous (54:26)
- Lessons from living abroad, advice for those considering it (58:48)
- The power of giving (1:02:18)
- Finding your purpose (1:04:23)
- My perspectives (1:09:03)

Andrew's books:
https://www.amazon.ca/Balance-Invest-Happiness-Health-Wealth/dp/1774580756

https://www.amazon.ca/Millionaire-Teacher-Wealth-Should-Learned/dp/0470830069

https://www.amazon.ca/Millionaire-Expat-Wealth-Living-Overseas/dp/111941189

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: [email protected]

Welcome to office hours on beyond MD where I answer the most popular questions I have been receiving.

Question 1: How do I get unstuck and find more joy at work?

Method 1 - shift expectations (0:17)

Method 2 - a dose of perspective (3:08)

Method 3 - find new rabbit holes at work (5:38)

Method 4 - connect work to your life view (9:56)

Method 5 - maintaining our outside interests (13:13)

Question 2: How can one make time for creative work while practicing clinically? (15:25)

The anatomy of an energy audit (17:47)

Question 3: What pushed you do do a fellowship outside of Canada? (22:04)

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: [email protected]

Today I welcome Jordant Arndt, a Certified Financial Planner from Saskatoon to talk about the science, happiness, and finance behind charitable giving.

Discussion Points:

Jordan's intro (2:07)

How Jordan's interest in charitable giving developed (4:41)

Making charity part of our financial fabric (6:24)

What are key reasons people want to give? (8:51)

Happiness and giving - the evidence (9:58)

Where to begin with finding a charity? (14:35)

Questions to ask charities (17:07)

Finances behind giving - donation tax credits & deductions (18:51)

Writing off taxable income and carry forward (22:08)

Tax efficient donating from corporation (23:05)

Donor advised funds, set up (26:07)

DAF mechanics (28:38)

Closing thoughts (35:00)

This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/

Papers, talks, resources from this episode:

https://wellbeing.research.mcgill.ca/publications/Aknin-et-al-JPSP2013-prosocial-spending-happiness-with-appendix.pdf

https://www.ted.com/talks/elizabeth_dunn_helping_others_makes_us_happier_but_it_matters_how_we_do_it

DAFs:

https://www.givewise.ca/blog/giving-philanthropy/donor-advised-fund-canada-checklist

https://kciphilanthropy.com/wp-content/uploads/2023/05/DAFs-in-Canada-KCI-CAGP-Report-May-2023-2.pdf

Jordan Arndt:

Linkedin: https://www.linkedin.com/in/jordan-arndt-cfp/

Email: jordan@ennsbaxter

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: [email protected]

Discussion points:

- Assuris history correction (1:00)

- High cash values in early years (2:15)

- Interest on the loan (3:40)

- Life and liquidity (5:32)

- Other considerations (7:25)

- Summary (9:10)

I welcome Donny Mangos - father, entrepreneur, author, and podcaster. Donny shares his perspectives on participating whole life (WL) insurance, with a focus on how to optimize policies and use them while alive.

Discussion points:

Donny's intro (2:35)

Broad perspectives on whole life (WL) insurance (4:55)

When Donny begin to learn about WL (6:55)

Quick overview on WL (9:30)

WL attributes for wealth strategy (12:35)

Other aspects of WL (16:00)

Investments, risk (19:35)

Understanding WL through an illustration (27:44)

Growth rates (37:18)

Good vs bad policies (38:37)

Advisors and commissions (41:44)

Must ask questions (44:29)

"In the money" (45:54)

Liquidity (46:44)

Using a corporate policy personally (53:19)

Multiple buckets (56:52)

Personal vs corporate loans (58:50)

Grey areas (1:00:22)

Who should not do this (1:02:54)

Donny's Links:

Book: https://www.amazon.ca/Get-Wealthed-Up-Build-Mansion/dp/1998528197

Podcast: https://podcasts.apple.com/us/podcast/wealthed-up-with-donny-mangos/id1825202487

Site: https://wealthedup.com/

Email: [email protected]

Yatin's Links:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: [email protected]

Welcome to part 4 of the wealth formula, which focuses on understanding our definition of enough.

We begin with a more philosophical discussion and move to rough numbers later only to help illustrate concepts.

Discussion points:

- introduction (1:33)

- Businessman & fisherman (2:43)

- Research on happiness, income (5:26)

- Understand and visualize your ideal life (11:50)

- What our life could cost (14:04)

- Withdrawal rates, portfolio size (15:52)

This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/

The 5 Types of Wealth: https://www.the5typesofwealth.com/

Links to videos:

Ben Felix:

https://youtu.be/S9InNdQhFwc?si=RTCDG1wUWvEV7vva 

https://youtu.be/1FwgCRIS0Wg?si=7GKWwIB7r_fyUh23 

Blueprint Financial: 

https://youtu.be/BhlWUkwZoRo?si=ai66rrz0DqV7iGCq 

Yatin's Links:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: [email protected]

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Papers cited in this episode:

A wandering mind is unhappy:

https://greatergood.berkeley.edu/images/uploads/A_Wandering_Mind_Is_an_Unhappy_Mind.pdf

Income satiation and turning points:

https://www.flightfromperfection.com/files/post_attachments/jebb_et_al_2018.pdf

I love under-discussed & relevant topics, so I'm thrilled to host Dr. Nikhil Patil to discuss SR&ED (Scientific, Research & Experimental Development) credits for Canadian professionals.

Discussion points:

- introduction (1:37)

- what are SR&ED credits? (6:01)

- eligibility with examples (7:42)

- qualifying activities (14:15)

- Impact of other grants (16:22)

- How much can be claimed? (17:31)

- What the SR&ED claim process looks like (21:57)

- Best practices to reduce audits (28:38)

- Where does one start? (34:18)

- Closing thoughts (37:00)

Dr. Nikhil Patil:

[email protected]

https://www.innovotis.com/

https://www.linkedin.com/in/nikhilpatilmd/

Yatin:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: [email protected]

Many of us have substantial equity in our homes. How can we use it to grow our wealth?

I'm joined by Matt Lee & Ming Lim from Volition properties to unpack HELOCs (home equity line of credit), the Smith Manoeuvre (routine and supercharged), & reverse mortgages.

The episode kicks off by discussing life goals & our why, which is critical to nail down before embarking on any wealth strategy.

This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/

Discussion points:

Goal setting & our Belize (3:03)

My goals (13:50)

Risks & mitigation in real estate investing (15:55)

HELOCs (24:45)

The Smith Manoeuvre (29:05)

The supercharged Smith Manoeuvre (33:45)

Why the Smith Manoeuvre is not for everyone (39:25)

Reverse mortgages (46:19)

Trends in Toronto multifamily investing (54:54)

Volition Properties: 

https://www.volitionprop.com/

[email protected]

[email protected]

Yatin's Links:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: [email protected]

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Welcome to part 3 of the wealth formula - investing.

Investing allows us to plant seeds for the live we wish to live - both today and later.

Discussion points:

- Japan (00:00)

- The wealth formula (1:23)

- Return vs effort (2:43)

- The power of time (5:00)

- Focusing on what's in our control (9:48)

- Signal vs noise (11:25)

- Valuation/CAPE ratio (12:56)

- Investing during lost decades (15:50)

- Geographical diversification (18:52)

Useful websites:

https://www.lynalden.com/shiller-pe-cape-ratio/

http://www.econ.yale.edu/~shiller/

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: [email protected]

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&XLINK=MYCP